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Bartering affects vendors more than Charisma. Bartering 5 and 100 Attitude reduce buying/raise selling prices by the same flat amount, so one point in Bartering is worth the same as 20 Attitude when it comes to vendors.
Point investment depends on your play style. I don't put points on any of them since I can play the buy/craft/sell game well enough to have near-infinite amount of gold very early on. If you're struggling to make money, then Bartering helps, although I still wouldn't put too many points on it; 2-3 levels max, then look for gear with Bartering bonuses.
After I'm done setting up the vendors early game (level 3 usually), I have ~10k gold on me. The process itself takes about an hour though, and I have no real interest in writing a guide of what I do for that hour... simply put, it's a big mix of stealing, crafting and trading.
Charisma: get up to 3. At that level, you can win debates with only two roll. Charisma is only important for debate exps.
Trader relationship: if you want relationship, focus on your reputation. That will be enough to make everyone 80% love you. Or you can gift/find npc that already loves you.
Barter: only as you need. You can make money infinitely, but barter helps you with time & frustration.
Lucky Charm: you should go all in, or none at all. There are plenty of loots&traders already, so item finds is not important, but some gear finds can be decent. (Random. Useful only if searching every box and cranny. Increases hit accuracy.)
With this game, you can keep pieces of gear, and equip them before looting containers, and max out Lucky Charm with Armor/jewelry.
I find Charisma useless, but tend to build one skill each epr character. One Leader, One Loremaster, one Lucky Charm, one Batererr/Charismatic character to do the talking, stuff like that. And alot of it can be carried simply by equipping gear for Crafting, Lucky Charm, barter, when you need it, and leave your battle gear on for the majority of the game.
1 main with barter/charisma. Since they will get reputation best to have barter on the same character, and charisma isn't hard you only need to get it up to 5 ish since really isn't a difference between 5 and 9, you'll still need 2 wins to win the minigame. Politician on them starts you with +2, trait will raise you another charisma later.
1 main with lucky charm/leadership. Traits will raise them +1 each. Focus on getting lucky charm to 5 before worrying about opening any chests in the game early in town, then you can work on leadership.
Jahan starts with craft/smith so i always have him as a crafting mule to break out and work up. Not one of my main characters.
Wolfgraff starts with pockpocket, he's my thief to break out when i want to do a pickpocket run through the town, not one of my main characters.
Madora is one of my team, she gets lockpicking. She doesn't start with it but i'll find her gear, and raise it up later for higher levels, plus items.
Bairdotr starts with Loremaster so she's set, and is my 4th member.
When i can respec later in the game i'll respec Jahan and Wolfgraff into smithing/crafting and pickpocket masters to break out when i want to run through stuff.