i want to get into dr elraths house, is there a way to do it without spending points on lockpick skill?

second and sort of related question..
is there a maximum level that once achieved you cannot pass?
or a level where it becomes unrealistic to level higher due to xp needed and eneimies available to kill?

i am concerned about spending my spec points unwisely and missing out on skills that i might want later

pls try to answer without plot spoilers if possible,thank you <img src="/ubbthreads/images/graemlins/smile.gif" alt="" />