I've done this extensively with the different Luck values, and you'll see a SIGNIFICANT change in the chance for winning from 1 Luck versus 10. With high luck, you'll almost always receive a 2 card combination that adds to between 8 and 11, as well as have a much higher chance of receiving cards after you hit that get you to 21 (or as close to it).

This is the easiest way to earn caps in the game, by far, and will undoubtedly prepare you for any challenge in the future, Make a save before starting this, as you will need to reload quite a few times to get banned from each Casino for reaching the Cap payout limit. Once you reach Casinos, (and you will very shortly after starting) whether it is in Freeside at the Wrangler, or the various venues on the Strip, head STRAIGHT for the Black Jack table. Luck, I always keep at 8 for one reason, and one reason only - Casinos (Once you get Naughty Nightware and Lucky Shades, you'll reach 10 luck, with or without an Implant.) Luck, besides determining your critical chance and bit of stat bonuses on the side, has a key role in how comfortably you will proceed in your playthrough. Ingelligence is perhaps one of my most important SPECIAL, as it allows you to gather many more skill points down the line, with a lot of helpful intelligence related perks that come up to help with your time scavenging in the Wasteland. There are some decent perks to allow for some pretty nice carnage (Grim Reaper, Commando/Gunslinger, Sniper, few others) with AP usage. It allows you to have more AP, thus allowing you to quickly unleash VATS when the situation calls for it. (That entails Pistols, and small caliber rifles such as Varmint Rifle, Hunting Rifle, Sniper Rifle, and my favorite early game gun to give you a ridiculous edge, the Rat Slayer.) Above average Perception allows you to spot the Red on your radar much earlier allow you to approach the situation from the best possible strategic angle, while being able to make sure you have a path to escape if things go south. This SPECIAL build has a few focuses in mind. Don't forget, you can always buy Implants from the NV Medical Clinic as well although they are quite expensive), Endurance I usually keep at 5, while the rest going into Perception, Agility, Luck, and Intelligence. I always put my Charisma to 1 as speech challenges are the least of my worries in the beginning of the game (if you do happen to find yourself in a speech challenge early, you can always use magazines, as well as clothes that boost your speech, as well as supplimenting them with Chems.) Strength 4 str (once you take the Weapons Handling perk which reduces all str requirements for weapons by 2, you'll be able to utilize almost every gun you come across without any aim penalties, with the exception of the heaviest.

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