Reginald's suit + trilby hat + black rimmed glasses = +5 CHR = pretty savvy guy

It is immersive as it is. The world is a war-torn wasteland trying to rebuild. Guns and ammo are common, thus they are not worth much (most of them, mind you). They are also necessary for survival, so vendors do not give them away for low prices. This is how supply and demand works for everything, even in our world.

You can also craft various things to sell as well as simply grow food (and process water) to sell. The latter has pretty much zero cost and total profit.

I am not complaining in the sense that I feel you can't get rich. And I don't "game" the system to get more caps, like putting on charisma clothes (even that in itself is extremely silly and I hate this new "feature" of stat boosting clothes, it does not make any sense and just feels cheap and "gamey" again instead of focusing on immersion) I am complaining from an immersive perspective. I want the game to be as immersive as possible and I feel that very "gamey" system for trading hurts the immersion. I would rather have more fair prices that are more realistic and be able to carry less things then so you can't get more caps either way since you would not have as much to sell. I hope there will a mod that could fix that, maybe reduce your carrying weight to around 100 but at the same time make the prices and trading more realistic. So instead of being able to grab 5 shotguns and sell each for a really unrealistic low price you would maybe have room in your inventory to be able to take 1 with you instead and sell that one for a more realistic price. That way it would both balance itself out and at the same time make things more immersive and realistic.

That "feature" is not new.

Caps are good to have for binge-buying all the fusion cores, all the 2mm electromagentic rounds, all the cryo cells, etc. etc.

I have over 130 fusion cores, and I need to maintain the growing supply of them because I don't do anything without power armor and I don't usually fight enemies with anything but my trusty gatling laser. I burn through those fusion cores like a drifter on jet!

It is not? It was some time since I played Fallout 3 and New Vegas, but did really regular clothes give stat bonuses like +1 intelligence +1 charisma etc? I can't recall that being the case, could be wrong though.

In a game like Skyrim I have no problem with those things, there it can make sense to put on a ring that makes you appear more charming when going to the shopkeeper because in that game there is Magic. But there is no reason why I hat in Fallout would make you more intelligent, that is just very silly.

I don't know what you mean by "really regular" but there were clothes with stat boosts, yes.

I mean like a regular hat that gives a +1 intelligence and stuff like that. I don't remember those things being in the other Fallout games unless it made some sort of sense? Like glasses could perhaps make sense to give you a persception boost since you can imagine your character actually have a slight eyesight problem and the glasses made that better for you.

I cook the meat from animals and sell a lot of that, it's good money!

http://fallout.wikia.com/wiki/Fallout_3_armor_and_clothing. Almost every armor and clothing item has some skill boost, SPECIAL boost, or other boost (I see a few +AP items there).

CHR boost is one of the ones that makes some sense (like PER boosts for hats & glasses). Because, after all, "the clothes make the man." Good condition/clean/impressive clothing gives the impression of power/wealth/etc. Attractive clothes make you more attractive. Etc.