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The only CHA build perk is local leader. Settlements depend on your ability to lead, which is properly tied to CHA.
The shop deals perk is lvl 1 because it has the least game impact out of all the other perks. There's nothing I can't get out of that caps perk (more caps) I can't get by waiting/sleeping and then going back to easy locations to re-clear/re-loot. Balance often trumps "what makes sense". No one forces you to put points into it if you don't want to.
Rpg for casuals that makes zero sense.
i've also got it set to survival difficulty, removed my targeting cursor, and remapped my VATS button so i won't use it even if by accident, oh yea and i'm not using fast travel
so far i've got 5 settlements or so (half have people), i'm glad i chose this, it's pretty challenging and fun :)
if you use good strategy you won't run into all the stupid issues most people are whining like babies about
You're thinking of intelligence, not charisma. There were no penalties to having 1 charisma in previous games except the occasional NPC comment about how ugly you were.
Add to that you can get +3 or 4 from clothes, +1 from beer, +5 from grape mentats (iirc) so if you really determined to get a good deal at some point you dont need the baseline char points as well.
They just replaced INT from the previous games with CHA on this game. INT was a required stat for any build in the old game just cause it was tied to skills so deeply. A build without high INT was handicapped, pure and simple (no pun intended). Same thing on this game, just with CHA instead of INT.