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Money is no issue at all. I'm sitting on 50k and have spend around 1-2k only on things I didn't really need.
In such games, especially in Bethesda ones, taking bonus ammo/drops/xp options is not really good. You are exchanging temporary ease of life in early game for long term power.
Sure, it might make the first levels easier, but by the time you are level 50, have near infinite ammo and money, wouldn't you rather have a perk that gives you power?
But the shear number of .50 rounds you pick up, and long before you can even dream of getting a weapon that fires them basically makes them a second currency.
There is no level cap.
From a differing viewpoint, you could reason to think of all the potential ammo (and money) you aren't getting simply for not taking one or two ranks early in the game.
Perhaps depends a bit on your playstyle, what weapons you use and if you are spec'd up into some Charisma to make lots of caps, how often you seek out containers and go looting, but it really is a bit ridiculous even with just two ranks.
You'll find .50 rounds everywhere, filing cabinets and suitcases and all that, and stuff like frag grenades and mines in duffle bags at times. Not to mention the occasional lucky Fusion Core clusters. Pretty legit for just two perk points, if you ask me.
By the time you are 50, you are oneshotting everything anyway.
Scrounger for life!