I know it has to do with skill points, but does it really make sense to take off a significant amount of damage because I'm not super adept at using explosives? if I can shoot it and it hits someone and it explodes, I don't think I should be penalized for not investing a bunch of points into it. maybe an accuracy penalty, maybe increased risk of jams, i dont know, but i dont think taking off large amounts of damage is the answer.
I have never used a frag grenade or any sort of high explosive, but I guarantee that if I threw a frag or shot an RPG, it would blow something up just the same and cause the same amount of damage.
It's pretty classic RPG stuff if you do want skills to matter in a significant way. It doesn't make sense in terms of realism, but how else could we balance a skill that goes from like 10 (or whatever the minimum skill is) up to 100. Accuracy and risk of jams is only gonna go so far when it comes to dampening the efficency of stuff like explosives that has a large blast radius.
I think it does clash with the first-person, more immediate action type of gameplay though. It's easier to accept the "abstraction" when you're viewing it from a viewpoint similar to the old Fallouts for example. But I'd rather have it like NV does it, rather than the skill points just not affecting things that much. There is still a lot of instances in the game where you, as the player, are able to "override" the skills of your character with your own personal skills (sniping for example).
EDIT: As for my wtf moment... Well, was going for the Yes Man ending in my playthrough. Had a rather weak character, but I didn't have much Speech skills, just Barter. So I could talk down Lanius with my Barter skill but General Oliver only had Speech options. So I had no choice but to fight him. Trouble is, as soon as you end dialogue with him, he and his four rangers immediately open fire on you and my poor character literally died within a second. Replayed it a bunch of times but still no dice. Finally was able to solve it by basically tapping the tab key as soon as combat started and downing a Turbo which enabled me to take cover. When I ducked back out again, Veronica had punched every single enemy to death and decapitated Oliver, haha.