No, it's not the equivalent of 3 points of luck, it's just 3 points of crit chance with a weapon degradation tradeoff. Luck does 4 things - boosts all skills, boosts crit chance, helps gambling, and causes enemy mishaps. You're getting one of these.
I do not think that this game lends itself well to a discussion on "optimal" builds. It is an rpg sandbox where there exists almost zero chance that you will be unable to finish the game regardless of what you choose. that means that you should choose exactly those things that maximize your enjoyment of the game.
for instance: you could tag guns and lock picking and spec agi/pers and be able to acquire (and operate effectively) the gobi campaign rifle at lvl 8 or so. Fallout is about scrounging around and killing [censored] with fun weapons while helping wastelanders. You cannot really fail at that. If you are an energy weapons guy then you can get the unique guass close to lvl 8 as well.
Make sure you don't "waste" you points of wil wasteland .....because it isn't optimal. Give me a f'n break man.
It is nearly impossible to fail at this game.
There exists no venue or basis upon which to facilitate any kind of competition.
If being "optimal" is really what does it for you then I can support your felt need to play that way. I think most people play video games for fun though.
Also, given the new level ceiling, taking perks like here and now and swift learner are not the tabboo that they were under the lvl 20 ceiling.
My advice for optimizing play in new vegas is as follows:
1) Decide which kick-ass unique you want to kill [censored] with.
2) Rush whatever you need to obtain it.
3)...kill [censored] with it
4) profit (in greater entertainment value)