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80% Barter vs. 90% means your stuff is 10% less valuable than their junk.
This skill offset is ordered so that the most expensive merchant to buy from (ie. Miss Stapleton) has the highest value.
When the player's Barter skill = 20, the vendors will offer the same 100cap stimpak for the following prices:
The player's Barter skill is sufficiently high only when:
Otherwise, the player needs to raise their Barter skill level until the condition above is met.
The value of a sufficiently highly valued object is dependent on both the player Barter skill level and the merchant's skill offset (which may be unknown). Generally, an object valued at 300caps or higher is sufficient enough to calculate the merchant skill offset.
This condition is given by the following (complicated) equation:
This condition can be met by an object worth 300caps even when the player's Barter skill level is 120 and the merchant skill offset is -50 (eg. Mitch), as follows:
A lower Barter skill level (so long as it meets the previous sufficiently high Barter skill level condition) or a higher merchant skill offset (ie. a more expensive merchant) will reduce the value needed for a sufficiently highly valued object, with the lowest value being 2caps when the adjusted Barter skill level is just above 10.
EDIT: Updates to this can be found at following URL:
https://www.reddit.com/r/classicfallout/comments/d84pxt/fallout_1_barter_mechanics/