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If you like having bad dice yet want to be able to carry 300 pounds and sprint the length of Rhode Island, than be my guest, boost those stats. I prefer not to savescum becuase SS said something irretrievably stupid. I reserve that right for my real life. So for the game the only stats worth maxing are precisely Luck and Charisma. All the rest of the stats you can get by with workarounds.
As for what the SS sees in VATS, that's different and highly problematic. In Fallout 4, there's teleportation, something that didn't exist in the previous Fallouts. So it's possible someone teleports in just for the sake of shooting someone to death, and then teleports out. The more reasonable explanation is that the SS is hallucinating and Nick is schizophrenic because of his implanted personality. If that option makes you feel better than murderous teleporters from a mysterious dimension...
but the actual perks it has you can lvl up help tons
easier money
easier ammo find
easier crits
easier banking of crits
easier lvl up
etc.
it sadly doesn't give any slight skill inc like other fallouts but in a way it evens out. High luck is basically playing the game as the main protagonist. You get to find everything and get everything handed to you easier.
with enough charisma and endurance you can p much have a good setup for companions settlements and never have to lift a finger
literal micromanagement playthrough polar opposite of a tank melee or sniper / run and gun playthrough
Luck determines the recharge rate of the Critical Hit meter. It can indirectly improve how much caps and ammo one finds through one of two associated Luck perks (see below). It can also give the player a chance to not catch a disease from a molerat bite in Vault 81. Luck can affect the chances of quickly receiving a perfectly preserved pie from a Port-A-Diner (the lower the Luck stat, the longer it can take).
Don't think it affects speech. Speech is based on charisma and has a randomizer attached to it. So even with very low charisma you can still pass speech checks at low chance. Kind of sucks I feel. But even Fallout 3 and NV had this savescum susceptible gimmick.
Could be synths teleporting to SS?
So luck assists SS in battle critical hits,or locks terminals to do with luck to?
Detective guy in the trilogy?How was luck better in the trilogy?
The trilogy had a more fleshed out set of skills that branched out into an XP tree. It's clunky and old-fashioned and prone to exploits. F4 has streamlined a lot of that, at the cost of making the SS a more dynamic and adaptable RP character. If you go to the Fallout wikipedia, you will find articles that discuss skills across all of the Fallout games.
https://fallout.fandom.com/wiki/Special:Search?query=skills&scope=internal&navigationSearch=true
Originally, SPECIAL was a reworking of the skill tree from Wasteland, only the Fallout devs lost the rights to Wasteland to Electronic Arts and had to come up with something else. They decided on GURPS, but the GURPS license was too expensive and the partnership with Steve Jackson games was annulled. ACELIPS was what Fallout eventually settled on, until someone pointed out you could re-arrange the letters in ACELIPS to spell SPECIAL.
https://fallout.fandom.com/wiki/SPECIAL