Yeah the dialogue system has been the only bummer for me so far. All the options are the same, basically, and the charisma checks usually are just 'pay me.' I don't think a voiced protagonist is a great fit for the Fallout universe.
I don't think having a voiced protagonist is the worst thing I just think the way they've done it is bad. There needs to be more dialogue right now your options are basically say yes, say yes sarcastically, say no and ask a question. There's no real room there to branch out and make your own character I think it will put a damper on playing through it again for me.
They also should have taken a leaf out of Bioware's book and had multiple character voices for the protagonist like in Inquisition.