An Idea I always had was this....
Basically A travelling Merchant(Barter,Speech,Some weopon skill) That travels between settlements selling basic items(food,Parts,ect,ect) to the settlements. He favors Lightweight armor(Wastland settler/Traveler) and tries to be Indifferent to people,Beyond Buisness. To Him(or Her) its all about the Caps. First thing you should do is get a house. Since tenpenny towers is for the "elite" It would fit the role of a rich merchant well,but Megaton would be a good stop for any traveling merchant. Again,up to you. You could also Find an Abondened house and just have that as your house. (but im not sure if items you set down in it will dissapear after awhile)
Another Fun character to play is a "Marksman" type character. the current one im playing has very low Charisma and Strength, but maxed agility, and 7 in Perception and intelligence. Basically, hes a wasteland Wanderer(So neutral Karma, or evil) with some skill at Rifles(Small Guns) , using the enviroment to his advantage(Sneak) and since hes away from civilization for extended periods of time, has to be able to take care of his stuff(Repair). First off, get a sniper rifle and a hunting rifle. After that, get a weaker pistol(chinese works best, you'll need the .32 slugs). Get some leather armor, Some sunglasses and a shady hat, and your ready to go.
A restriction i put on my characters is this. 1 large or medium Weopon,1 medium weopon, and 1 small weopon. Large weopons would be the fatman, missle launcher, ect. Medium would cover assult rifles, most lasers, snipers ect.... and small would be any one-handed gun. I also keep a combat Knife around(as a utility knife)