That's me, too! I'm still set up in Sanctuary, but I left the dog at the Red Rocket, because I want no companions at all. Codsworth stays to himself. Most of the time I don't even know where he is, but the moment he starts trailing me around, he gets banished to Red Rocket. I've recruited no settlers, although any settlement that came equipped with settlers was allowed to remain as such. I haven't done anything with them, though. Nothing built, no recruiting, no assigning. On the few occasions when they've been attacked, I've gone to help them, but only because I like getting the easy exp .
With regard to speech checks, though, if I know I'm going into a a situation where I *might* encounter one, I'll dress in my CHR clothes, to bump CHR by 4 points. I haven't gotten the CHR bobblehead yet, but that'll help, too. I found a couple of magazines that give a boost to persuasion, one for dealing with men, the other for dealing with women. But yes, I still fail a lot. Oh well.