Bring Agility down and make Intelligence to 10. Yes I know that is breaking the rule of not making anything 10, but by the time you get to raise your Intelligence to 10, you are just not getting all those points you could have. I still don't know where to go but I know you go to a certian place to get the +1 stat boosts. I only would have a high luck if you want to do good at the casino. In one game I played, I had luck to 1 with no problems but I haven't been to a casino so not shure how bad it would be.
In my next game I have luck to 6 or 7 forgot what it is, so I can have the perks of Mysterious Stranger and Miss Fortune just for LOLs. I loved having the MS perk in Fallout 3 for LOLs so I want it again for NV.
Charisma can be 1. I usually have Endurance 7,8 or 9 for the high health points you get. I play in hardcoe mode so I want to make shure I have lots of health since for me at least, I get wounded alot.
For me, I have 9,1,9,1,10,5.6 or something like that, forget what now. Been too dizzy so I havn't played NV in a few days. I have Perception to 1 since I hate seeing the "red blip" and thinking they are close by so I "sneak" to sneak around them, and the enemy is so far away.
Hope some of this helps you.