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but i dont know how much barter your need for that
You don't need 100 in any skill since clothing and mags exist to buff those points up. Charisma can be buffed a few ways to so you may only need max 85~
If you want to get into Vault 3, or have sexy time after the Vault 21 quest, you need high speech.
Barter does give a great perk at 70. Strong back, lets you fast travel while over encumbered.
It makes a huge difference in prices, I think. It's still an excellent alternative for speech checks, and gives you a much greater advantage in most conversations.
Barter is a great skill and a personal favorite. Like RAGE said, you can buff it with clothing and skill books. So I would take it to at least 70-80, and get the Comprehension perk.