As regarding option 7, mobs 3 to 4 level lower than me still dealing some damage to me, eventhough its not some noticeable ones, but there still damage there. It will really depends on the difficulty mode you are playing in. Mobs 5 level lower most likely start doing no damage.
I would like to have an option where enable to hide the helmet skin from showing, as majority helmets in the game are kinda fugly from what I see.
I was playing on the medium difficulty. I can understand it to a degree on the easiest, but even then they should at least deal 1 damage instead of none.
I wished there was a no helm mod since I started playing. I don't think the helmets look that bad, just none of the ones with the stats I like fit my character. Plus what's the point of choosing your hair if you never see it...