Let's see....all Legionary are male, Motorhead is male, half human opponents are male.......
Yes 1 Lck give you 5% with Gobi, but with Fitness and 1st recon, that 1 point of luck doesn't seem to matter.
Cazador is really pain in the bullock when you travel alone.
It does matter, unless you've got something else to boost your crit rate. Luck 10 is 10%, 1st Recon is 5%, Finesse is 5%, x5 = 100% if I understand crit chances.
Further, a bonus against human males is kinda negligible, as with rare exception they aren't a problem. Getting a bonus against everything in the game means, among other things, a bonus against Deathclaws.
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Also, putting in for Good Natured as the generic "best trait." Most characters will end up using more skills from Barter, Medicine, Repair, Science, and Speech than they will weapons skills, in which case Good Natured is free points.