A great part of the fun of RPGing for me and many others is optimizing your character. As soon as a game becomes broken when you do that, it is the game's fault and not the player. Holding yourself back is extremely frustrating and is not a sollution for lack of difficulty. Master difficulty should be balanced with the best players in mind (hence the name "Master"). It should assume that you will use the maximum of your abilities. You call smiting an exploit, but it is has been designed to function this way by the programmers, so it is not an exploit, it is an example of bad design and it is up to the community to fix this.