well the biggest problem is not being able to do certain things in quests, for example, I cannot save the brotherhood initiate because I cannot fight the bag guys because my combat skills svck.. Also I think I messed up and maybe tagged the wrong skills. I tagged speech barter and doctor I believe.. I kinda regret it because I have yet to get a crippled limb... Also I can't kill the death claw even with tycho and ian in the party
Don't be too mad about that one, its one of the hardest fights in the early game. You can't "mess up" tagging skills, but the game may not allow you to succeed at what you want with the wrong background / development. Tagging Barter & speech will give you a great edge in conversation, and tagging Doctor will vastly improve it, and give you easy healing and some dialog options. Speech, Barter & Doctor cannot be increased with books.... but most of the other skills can. Just find, steal or buy a few books. I usually tag speech & Barter (and sometimes Gambling ~I rarely tag Smallguns).
*I recently played a PC with tagged gambling & reasonably high luck; I sent him into the casino with 5 caps, and left with 1500
(I also used him to double-talk & pickpocket his way into the Mariposa Military base at level 1). Here he is in the Super Mutant Barracks; They leave him alone because he's confidant and acts like he belongs there. (They think he works for the Lou).
http://i271.photobucket.com/albums/jj125/Gizmojunk/proof-1.gif
*His name is Norbert