I tend to specialize — with attributes, weapons, skills, even party members if it's that type of RPG.
Always explore new areas thoroughly before advancing story too much.
Fashion > Stats unless I'm getting destroyed or the gains are too good to ignore.
Talk to every NPC.
High Crit all day
Seek out as many quests as possible, but I have no problems skipping or abandoning those that are uninteresting, unrewarding, or contradict my idea of the character(s).
Save like a maniac.
Save some more.
I'm still a cheapskate and a hoarder, but it's not nearly as it used to be.