Luck is great for Vats spam, and money rushing.
VATS can make you sort of Flot around like Neo or Trinity in the Matrix during combat and even on Survial Very Hard kill quite nasty enemies if you have good gear
Strength 5
Perception 1
Endurance 9
Charisma 1
Intelligence 9
Agility 6?
Lucky 9
I think I can remeber picking this, luck makes guarantee ability to get 30,000 caps instantly from casinos and get banned, and critical hit chance like crazy, endurance for medical clinic implants (raise special stats) and get 10 intelligence for more skill points.
Charisma is useless, only does barter and speech stats which can be exploited via skilled and good natured character traits does something to companions but nothing that will be any kind of hindrance for the benefits you get from the points
Perception, semi dump stat can upgrade for better vats perks later but endurance, luck, intelligence and agility/strength far more vital
TLDR Sorry lots of unasked autism but in case you want some more info, FONV is king even vanilla, enable all quic saves and if your pc is good the crashes are not delibaiting else it’s 30 mins of quality of life installs for a flawless experience and cosmetic QOL