I was looking at this during a recent play through and umm... Guess what?
I restarted again because of it.
At one of my level ups I went down the entire list of perks and realized that I didn't have my SPECIAL's set up right to unlock the perks I wanted later in the game.
So I applied my usual logic(!?!!) to it, and made a list of what attributes had to have how many points
It turns out that in order to unlock EVERY ONE of the perks that come later the total number of SPECIAL points is THREE less than we get at the start of the game:
S - 4
P - 6
E - 7
C - 6
I - 7
A - 7
L - 6
Total= 43
Given amount at game start= 40
Which means at some point at least 3 more attribute points have to come from somewhere.
Because of the comments I have seen from a number of people about the relative uselessness of the LUCK attribute, I have set my "L" to 3, and everything else at the above.
I forget exactly which perk it is that needs luck to be 6, but I hope I didn't make a gross error that will lead to another re-start...
UPDATE: I looked some things up because I wanted to be sure about this.
Intense Training can be used up to ten times, it needs only three times to get the extra SPECIAL points to pad the list out.
At FIVE LUCK Scrounger (extra ammo) and Fortune Finder (extra caps) unlock.
At SIX LUCK Mysterious Stranger and Better Criticals unlock.
~assuming your other levels and skills are qualified~
I think I want to use the next three level ups on "I.T." so that it's all set for the rest of the game. He will be at level four, and wired for the duration.