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You can finish the game with small guns, but energy weapons do A LOT more damage
I'm pretty sure its 200% in FO1, but I don't think there's any non-combat skills that really require a skill higher than 120-121%. I think there may be 1-2 'fluffy' skill checks above 120-121%, but nothing significant, iirc.
Similarly, in FO2, having much over 100% in a non-combat skill was largely useless. I think Chris Avellone basically stated this once - that it was a huge flaw in the game design and was his biggest lesson from the game (allowing people to create characters that weren't supported/effectual).
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To the OP:
Higher combat skills were almost always useful - they offset penalties for longer shots, and called shots. And you want to make that max firing distance shot to the eyes for the delicious critical damage.
Also, end-game energy weapons trump small guns hard - but, if you play through like me, you don't get any of them until basically the end of the game. If your character is mainly an Int/Cha build, I think you're going to need the plasma weapons to finish of the game. If your decently combat focused, you can probably get buy with small guns. Personally, I've found the tag perk to be worthwhile just to be able to jump from 2% Energy weapons to 120% in a few levels.