Please post here interesting stuff that we would miss on if we could not pick lock or hack terminals, excluding anything that can be bought with caps.

The Cryolator from Vault 111 if you don't use that companion bug to get it.

Hard to do without SPOILERS, suffice to say you will miss a lot of gear, as well as other coolness.

Cait picks locks and Nicholas hacks computers, not sure if they can handle masters. The Cryolator is a master lock but apparently some say dogmeat will fetch it. other high locks often have a key somewhere if it's necessary. I think i picked up the med needle gun behind a door yesterday but had cait and found a key and was on a rescue mission who was locked behind that door.

u will miss alot of the back story and loot but is possible.

You could compromise though. Choose either hacking or lockpicking and then a companion to fill the other role. Its what i did.

A LOT of xp is lost for not doing it yourself (little each time, but it adds up), as well as the cryolater, and several cool area's of the game.

Also, hopefully you mean, not putting points into the perks, because not doing it at all, even the novice ones, it flatout impossible.

Yeah I mean not putting points in the perks.

I startedy character to be able to hack and pick locks. Telling you now you are missing out on lots of goodies.

For the most part it seems like you only need 1 or the other, most safes in the game can also be opened with a nearby terminal, I've only seen that case in the starting vault that can only be opened with lockpicking.