Ok,thanks for the tips. Also are there any mods for any of them or even consol commands?
Speech is a major skill, tag it at creation, make your INT at 4, minimum, but it starts at 5 as with every other stat at creation. Grab the Gifted trait, and every stat will be 6 by default. I'd recommend keeping STR at 6, dropping Charisma to 2, it's only use is bartering prices and nothing else, but watch out for radiation if you get too much due to stat penalties and dying if they drop to 0.
Luck is great for crits, unless you go the melee route and grab the Slayer perk, which just turns all melee attacks into crits without a luck roll. The other two starting tag skills would be Small Guns and Lockpick. Finesse is a good way to add 10% to your crit rate, but I took Small Frame instead, so my AGI could get to 9 and then upped my perception by one point. Endurance is best left at 4 and then enhanced later in the game via surgery.
Absolute best advice I can give though is to save before talking to anyone, some dialogue options can only occur once and a failed speech role can ruin them from happening. I had my Vault Dweller fail a speech check with a security officer in Vault 13, reloaded, and succeeded, then I got the shot gun, 40 extra shells, the additional pistol and 10mm JHP ammo. After that, I spoke to the Overseer
a few times back to back, just stating I didn't find the object and asked for more things, again saving first. I got even more ammo that way and I've not got over 100 10mm JHP ammo and haven't even left Shady Sands side from the Radscorpion quest.
Oh, a few more things. Be nice to whomever you're talking to, even the big boss near the end; I'm not talking licking his boots, but be diplomatic with him and prove to him why his plan won't work through evidence *hint hint* for an easy solution. Don't have your gun out when talking to people, makes them react poorly. One thing I do is keep a Stimpack in my other active item slot and switch to that whenever I enter a town or a random encounter with non-hostile NPCs, seeing as switching between active slots costs no AP at all.
That's another thing, you want your AGI at 7/8 by default and 8/9 with gifted, the first 7 and 8 being if you take Small Frame for an extra 1 AGI, that way it equals out to 9 before your character is made. I've mentioned AGI already, but it's because it determines your AP, or Action Points. AP are used for anything and everything in combat, so that Max Stone pre-made character svcks as a melee guy due to his lower AGI and rather abysmal INT. INT affects dialogue choices, higher INT = more choices, and INT also allows more skill points per level. Now, Gifted will lower your overall skill points, but the +1 to every stat more than makes up for it.
More good advice is try not to be a melee user your first run through. Some of your NPC allies, notably Ian, can be very deadly with an SMG... but not to the enemy.