I'll likely not start with 10s (or even 9s) in any stats, but there ARE some rank-9 and rank-10 perks I may want, so at some point in my character's development I'll be bumping SPECIAL stats, but not until I feel the need to do so ---- plenty of perks will be available to me with my initial stat selections. I will likely pick up perks that let me do ~new~ things (hacking, lockpicking) before I pick up a perk that lets me do something I already do, but better.
I am likely to ignore settlement stuff and crafting for the ~initial~ part of the game, but then later on start developing those perks / stats so that in the late game I ~can~ tinker with crafting and settlements more efficiently (CHA, INT, perks).