There indeed is an issue with metagaming. It's especially obvious with Traits giving bonuses to various abilities...
As for quests, I agree for Wulfram. There really aren't any reasons to refuse helping him except personal preferences. Maybe refusing to help him and coming back later, you would find his body with some items from his pack or something. So either you do the quest to get "lots" of xp now, or you refuse and get less xp but one or two items later. No reason to get XP when you didn't do anything, but still refusing would give something
The Brotherhood of norD is love, the Brotherhood of norD is life.
