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Sunder and keening dont kill you instantly.... it's only about 90 health per second of damage they do. So you need to be under the effect of at least five exclusive restore health potitions at the same time for as long as it takes you to kill the heart.
As for the shrine, try looking for it with the TES map utility - [URL]http://broncosmvp.tripod.com/Utilities.htm[/URL]
When he says 'he's not ready for you yet', what he really means is HE'S NOT READY FOR YOU YET!
Try sleeping for one or two days and asking him again.
No, the whole point of the game is defeating Dagoth Ur... without him you can't do this.
Kill some annoying people.
Kill some annoying beasts.
Run back very slowly.
And he might have a new job for you.
All he leads you to is another Guild; there's tons of other stuff you can do - explore the island (it's huuuge), other clans and guilds.