having better npcs makes ALL the difference. if your charisma is high enough (my character's charisma is 8) most of the npc will be more skillful than your own character in the same level...
why on earth would someone want a charisma score of 8, you ask?
have you heard of the perk "divine favour"? well, you can get it in level 14 if your charisma is 8 or more. i don't know exactly what it does, but it boosted my perception from 7 (or was it 8?)
to 10. as you understand, i am satisfied
you are right-high strength is not needed if you use a suit of power armor.
i dont think that small guns is a waste, because the heavy guns lack the accuracy of the light ones (it is very important in some missions, when you need to kill enemies and spare the innocent, all standing in the same crowded room).
and one more thing-most of the npc's charisma score are extremely low-4 or less! that's why i designated my main character as the trader of my squad. (140 barter so far!)
i think that the best main character is the one i chose myself
strength-5 (he only uses light weapons)
agility-10 (10 action points!)
endurance-4 (this attribute just sucks)
charisma-8 (for the "divine favour")
perception-8 (he he. it's 10 now)
luck-5
intelligance-5 (not so bad. he doesn't have many essential skills anyway)
he is gifted and small framed.
tag skills: sneak (the most important skill), light weapons and barter. yes. you read just fine. the word is "barter".
i hope you got the general picture.
Major Glory