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Townbuilding can be almost entirely ignored. There is a main quest where you need to construct a machine but it doesn't need to be in a developed settlement. The main thing you'll miss out on is the Minutemen questline which serves as the "default" ending, assuming you've failed every other one. There is at least one other quest where you're tasked with making a safehouse out of a settlement for the Railroad, but it isn't necessary.
You need 3 settlements to trigger the castle quest.
Then you need 5 settlements with artillery’s in order to start war with the institute.
Aside from that you do not have to mess with settlements at all.
Str: 3
Per: 4
End: 5
Cha: 5
Int: 7
Agi: 3
Lck: 1
Bobbleheads add 1 point to each, and the 'SPECIAL' book lets you add another point into whatever you like.
If you don't like how your character turns out, start over.
but there's no level cap, you can eventually have every stat to 10(11) and every perk unlocked, so it's not even possible to mess up that badly, though you might make it hard on yourself for a little while, like you put all kinds of perk points into VATS skills and rifles, and then only use automatics and never VATS...
by the time you're 30th it isn't even an issue anymore, you have money, resources, enough drugs to throw a party, a variety of legendary and unique weapons, etc.
I loved settlement building but I know it's not for everyone. You don't have to invest time in it if you don't want to.
that makes it so you get strong back, lockpicking, and science/hacking able to be leveled.
every other stat is just personal preference.
you can always add points to your special later on but for starting stats these are the only ones that actually matter for the most part.
also, as a survivor strategy i always recommend the gunslinger perk because it increases the amount of damage and range that semi auto pistols do, which makes them the best weapons in the game early on as you tend to only find pistol rounds, on top of the fact that pistols weigh the least in the game, making it much easier to carry more loot and do more damage.
you don't really need to build up settlements. in the event you run into the tiny number of non-radiant quests that even interact with settlements you can do the bare minimum to progress at that time instead of meeting the requirements earlier.
personally at the very least i'd pick one uninhabited settlement and use it as a base. place a bed, water fountain on the wall (for early game healing with no rad gain) later when you have enough resources place down a decontamination arch to cure rads and a small generator to power it. red rocket is probably the best for this as it comes with 5 pre-placed crafting stations.
as long as a settlement has no population it will never get attacked.