
Note: Don`t invest in First Aid, Science, Repair, and Outdoorsman skills because you can increase those via books (Comprehension perk reccomended) up to a maximum of 91% skill value.
Energy Weapons (must have for the late game). Small Guns (via Books until you reach 91%). or Good Natured (+15% to First Aid, Doctor, Speech, and Barter / -10% to Big Guns, Small Guns, Energy Weapons, Throwing, Melee Weapons, and Unarmed) - Will be very difficult at the beginning! (note: at least 1-2 companions recommended to fight for you at the early stages of the game). or Small frame (+1 AG / Carry Weight = 25 + (15 x your Strength) - 1 extra point but less carry weight! (note: if you gonna pick Small frame then you need at least 1 companion to carry your stuff). Finesse (+10% Critical chance / -30% total damage) - Critz! (note: with high LK and a few Perks you can increase your crit chance up to 25%). Gifted (+1 to all SPECIAL stats / -10% to all skills, 5 less skill points per level) - Must have!. Note: If you like to play without companions invest in EN 8 and in CH 3. LK 5 (+2 Zeta scan in Vault City, +2 when You kill Pharias dog from special random encounter, +1 Perk). AG 8 (+1 Perk) Restoration Project req: +1 AG - EPA, +1 AG - New Reno - Going on a date with Miss Kitty. IN 8 (+1 Chip - Sierra Army Depot, +1 Perk). CH 5 (+1 Chip - Navarro, +1 Perk, +1 when you have sunglasses - Mason form Salvatores have them or dig them from the grave in the Golgotha).
PE 8 (+1 Chip - Mariposa Military Base, +1 Perk). ST 4 (+4 Advanced Power Armor, +1 Chip - Vault 8, +1 Perk). Gender and age are largely irrelevant unless you plan on seducing lots of NPC's.