Or maybe the question could be "Is 95 caps just right for a stimpak?" You can answer based on your taste or your sense of fairness, I'm just looking for generally good price for an enjoyable experience. When I opened the "You are SPECIAL" book at the beginning of the game, I picked 1 for charisma. Why? Because that's what you do for Fallout New Vegas, right? Unfortunately, I forgot to factor in Fallout Wanderer's Edition.
Man, if I chose 1 charisma then maybe I should have specialized in barter. I can see 95 caps being steep now, but I have no idea how soon I will be rolling in caps like, say, Dead Money for fnv. The skills I specialized in were guns, repair, and I think lockpicking. I am right after the part where I killed Arkansas, and man how much ammo I had to spend to kill this guy before he could kill me.
Pretty much spray and pray at medium distance ( because one of the mines crippled my gun arm ), 10mm bullets cost 5 caps each so those 9 x 19's I used would have cost more if I bought them. I got those bullets fair and square by following a caravan on its strange and winding course from Megaton to the Arlington library and letting them kill raiders for me.