My lvl20's stats:

archery 55
light armor 50
sneak 52
lockpicking 41
destruction 27
heavy armor 35
block 34
one-handed 47

I have a couple in the low 20s and the rest are in the middle teens. I really need to go find one of these stones.

Also, I found out you don't have to join any group to complete certain quests like I thought earlier.