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Rather than having too little point, you are having too much point. Once you hit around level 25-30, depends on how you build.. the game feel immensely easy unless you play at survival difficulty.
They're not nerfed. It's a different game with different balance. SPECIAL stats & perks don't work exactly the same as they did in FO3.
Leveling is different, too. FO3 had a max of 20 or 30 with DLC. My current FO4 character is around lv 79-81, and between bobbleheads & levelups has most stats in the 7-8 range.
However, in those other games you only had 50 levels or what-not depending on the game and DLC you have. In FO4 they go perk-happy, and have so many perks that limiting you to level 50 would severely hamper your ability to either build settlements, interact with people, craft well, or fight well.
Even though there's no technical limit to your level (there is a point where overflow happens and the game crashes but that's somewhere upwards of 65,000 or whatever) - you max out everything by level 286 or something like that.
I personally wouldn't recommend going over level 200. I'd keep it no higher than 150, either. By that point combat is just more annoying than fun.
Sounds like best bet is to start with 10 or at least high intelligence so you can level quicker and get your other special stats caught up.