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Besides aging but i guess you already figured that out and i am unsure when what increases happen.
Though from what i saw Equipment would be where a major part of your strenght comes from and for crafting etc you can find people with atleast up to 40 or so in skills on the map
I only ever used dark fantasy mode with various races. When I discovered there was a cap a few characters back I just abandoned the character and the world. Since then I tried to optimize and failed. It is difficult to create an effective settlement so one has enough money to advance skills while still being effective at combat. I just can't tolerate a gimped character from half leveled skills.
I felt the same way at first, but after fifty hours or so I realized that the game is super easy once you know what you're doing. I'm at the point were I get bored and make new saves because extreme POI are too easy. Once you know what you're doing you can start a new save and hit the point were you're clearing extreme difficulty point of interest in 1-3 hours without paying to train any of your skills.
The dev plans on adding something harder then extreme in the future and that's what I'm waiting for to test my abilities to come up with good builds.
But until then I'd say tell your min maxing heart to settle with leveling up your non primary skills to 10 for extra statspoints and make a merchant/builder or something as your first character then retire once you have your settlement made.
Been a month or 2 and I have not kept up with what is in patches, but I think the middle age level cap increase is currently nyi.