If it works exactly like Fallouts system in every way I'm not going to buy the game. Most of the perks in Fallout were either stupid or useless, and the others had nothing to do with skills. That's one of the main reasons I would have liked a way to save perk points in FO3. Hmm, I can either became a cannibal, or have the ability to make people explode with a pool cue . . . I think I'll pass.
I never had any reason to save FO3 perks til later - and, honestly, it would have been unbalanced. The whole point of having perks that only unlocked at higher levels was that 1) you only got them later, and 2)
you couldn't get all of them because you only had a couple perk slots left. Deferring a choice until later isn't a good idea.
(In FO3, when the newly unlocked perks were ones that I didn't care about, I'd go back and grab more of the low level ones that I could still use. Like Thief, or Gun Nut. Loved those skill bonuses.... of course, once you hit 10-12, there were plenty of perks to choose from, so....:shrug:)