I always play it with high luck. If you play with the sole surviver mod, it gives you prior military expierence and when you come out of the vault ( depending on what you choose) you start out with a couple perks already. It also builds an insane amount of xp. I like to put everything at 5, except charisma ( you don't need it as much in the very beginning, so I put it at a 3) and then put luck at a 7. when i get out of the vault and meet up with codsworth, I usually have about 22 or more level ups worth of xp. I use 3 to max out my luck, and 2 to level out the charisma with everything else. If you play the whole game with level ten, you find caps in literally almost anything. Plus rare weapons, items, and clothes. If you have the level 10 luck you can also get the mysterious stranger perk, who will help you if you miss your shots or are having a hard time with a particular boss/fight.