That's pretty much it. If I don't misremember, some skills like Sneak, Steal and Outdoorsman may even be capped before modifiers, silly as it may sound. There could possibly be a lock in the game with a -80 modifier, so you'd need Lockpick 180 if you always wanted to open each lock on the first attempt. Marginal stuff like that. Using Science to
[spoiler:2faf69d5cf]get the best brain for Skynet[/spoiler:2faf69d5cf]
is perhaps the most significant example of a high skill requirement. And that's Fo2, there's much less in Fo1.