You can't 'bank levels' like this. Once you hit that 'level up' button you must take all 14 levels at once.
Sorry, but you've blown 60 opportunities to train.
FYI: You'd have a lot more gold if you'd leveled up a few times as foes would have dropped better loot. This makes training more affordable, even for less kleptomaniacally inclined character archetypes.
Well, I never finished Morrowind. But I did play Oblivion viciously.
Skyrim offers a greater landscape than Oblivion - by a lot. The world is bigger, you can explore mountains/forest/caves. While in oblivion it was pretty much... long boring plain with trees and caves every now and then. Skyrim is much richer when it comes to terrain.
In Skyrim you can still buy a house, but now it they feel more like home. You can actually put stuff of your own on display without having to access mods.
You can also get married. (If you own a house, your spouse will wait for you there).
The new perk system is a love or hate it. You should build your own opinion on this. It is similar to fallout's.
Now, you are not forced to pick primary or secondary skills anymore. You just play how you like it, and level up. You only pick a race when you begin. So no more classes.
Questing has changed too. Secondary quest are "random", you will never run out of extra tasks... and they are presented in a not too obvious fashion. It is nice to walk in a tavern, hear NPCs talking about some "mystery" and following into a quest.
Which brings me to the world.
If there is something that adds immersion in this game it is the atmosphere. When you step into the game, you feel like you are in a world that is alive and you are the new guy in town. If you normaly get sucked into dialogs and lore. This game is definitely for you. (This is definitely an improvement over what I played in Morrowind).
Of course, all the mechanics that have been added/improved also affect the way you interact with the game. For example, smithing/enchanting but you can find those all over the internet.
Best Answer
According to this wiki:
Also keep in mind that, as alluded to by ryanzec's answer, there is at least one quest that requires you to sleep in a bed to initiate it, so even werewolves have a reason to sleep at least once (after killing Grelod the Kind and receiving the courier message from the Dark Brotherhood).