Yeah, that's usually why I used them. So they're still worth it even without the racial boost to speech?
Like I said, if you do lockpicking you won't need speech, golden touch and treasure hunter will net you a ton of good stuff to sell, you won't have to worry about the prices. The fences will end up with 4k gold each across Skyrim after you've stolen A LOT, which is enough to cash in your check.
Edit: if you want to be a smooth talker, then that's a different story. But yeah if you do speech and lockpicking, you'll be so ricch its ridiculous, but you wont have as many perks to put into other things like pickpocket (which is a lot of fun), archery, etc. Make sure to grab evvery single sneak perk, there all good.