not truly arguing that, but I haven't had any real significant trouble with combat at a luck of 1 then I did at 10. It takes a few more shots, but generally no sig threat increase. The ones that would kill me with a 10 pretty much kill me with a 1 and don't if they wouldn't.
Just wanna bring this topic back up to ask the OP where the hell in your mind do you get that skill mags equal +20 to that skill? It's 10.
Comprehension perk doubles magazine bonuses (and increases gains from skill books), its pretty much the most universally powerful perk in the game.
Ha, I just realized that after making that post. It's a good thing he mentioned taking that perk in his posts. /sarcasm Comprehension is useless to my build because the only two skills I'm taking that I'm not maxing out are Science and Lockpick. I can use skillmags and drugs and clothing for those. Every other skill is almost maxed out except for the ones I don't give a crap about.
@OP You're very focused on numbers. There's nothin wrong with that. Just keep in mind some people like to roleplay, and they may not feel like hunting down drugs/recipes/clothes/skill mags to pass a speech check. Maybe they set max Int because they don't like more fetch quests. Everyone's playstyle is legit.
In all honesty, I like my 10 INT player; When I look at my stats at level 35, and all are in the 90s except Lockpick and Science, I'm kind of happy. So it suits my needs in having 900 ways to whack a mutant as well as nurturing my intellectual vanity while roleplaying.