Actually Luck affects Critical Hits, enemy Critical Hits, enemy mishaps, gambling, all of your skills, and that's about it. But Luck 10 is not good at the Doc's House, make your Luck 9 and Implant it to 10. Saves 1 SPECIAL point.
This, maybe put the other point into perception for Better Criticals, I would

But no, it's not really going to hurt, luck is useful.