This arguing over builds is absolutely ridiculous. By the end of the game you will be super powerful regardless of what you do (unless you play water_wendi's character, in which case I assume you may have a little trouble killing things, but thats not the point!). You will have perks that benefit you, kick ass weapons and a ton of stats into at least one weapon base (melee, guns, unarmed, explosives or energy), probably two. I managed to finish the game at 25 hours in and level 22, never had any problems aside from wandering into swarms of deathclaws too early, which I should have got owned by regardless (after getting super slam and a fire axe deathclaws dropped easy too, at like level 16. Admittedly I playd on normal, but playing a little more cautiously than I did on hard will probably be just fine). This optimizing your build and planning every stat boost and perk unlock at each level seems silly to me, just wing it as you go and things will die, I promise. You might get a perk one level later than you expected but it really wont make a big difference. It's a single player game and you don't have to worry about having the perfect build for killing things or having the perfect leveling path. Just enjoy it!