Lvl 17 and I will be hitting 18 shortly. I just picked up Better Criticals, and i'm using a .45 Auto SMG. I have the Professional, and Grunt perk as well. Theres always more accuracy to the body then the head at short to medium range. So I was wondering if anyone notices a difference with the +15% damage to the body? I'm also using .45 Auto +P rounds instead of the hand load, as the gun condition is more then double on HL rounds.

I normally take Action Boy at lvl 18, but I have 102 AP with Kamikaze and 9 Agility currently.

I'm also considering Finesse (i'm currently at 14% crit. chance with VATS, 6 Luck and Built To Destroy). Accordingly to the wiki page, the .45 Auto SMG only has a 0.06% crit. chance. I could throw on Boones Beret, but I like the look of Daniels Hat with the Desert Ranger Comat Armor better. Plus it has +1 DT and +5 Speech. I can wait on the Toughness Perk as I just bought the +4 DT implant to move my DT to 25.

Just asking for opinions as Leveling up and getting perks is a much bigger gap once approaching level 20. Don't want to waste one!

After reading more about Critical Chance, it doesn't look like Finesse would be worth it using a SMG.