Do not listen to anyone suggesting to you a build without Educated perk. It denounces them as false prophets.

Same for anyone asking you to make a character with more than 5 PER.
LOL I think you are taking this too seriously. It is just a game, no one is trying to be a "prophet"
I'm not sure if you're referring to my post, but it seems that you are, as i'm the only one who made some perk suggestions above. I only suggested a few perks to the OP and I made no attempt to propose how he should fill up all of his 15 perk slots.
However, at the risk of appearing to be a "false prophet" to you, in my experience in FNV, there is absolutely no need to max out all 13 skills to 100. Educated can be helpful, but it depends on your play style. If you get all 53 skill books in the game and you have comprehension, that is an extra 212 skill points, and in most cases if you get up to 80 for science and lockpick and 20 points below the highest speech check you want to pass, you can use magazines when necessary. If your playstyle is a sort of jack of all trades and you want to build up guns, explosives, energy weapons, melee and unarmed, for example, then certainly educated would be helpful, and you will need all the intelligence you can get. Also it's not possible to get the Better Criticals perk unless your PER is 6.
In my case i'm emphasizing melee, with decent guns (and unarmed 70 in order to get piercing strike). At melee 80, on very hard difficulty setting, I very easily wiped out the entire NCR group at Camp McCarran, including soldiers with power armor, using the super slam perk and a super sledge. I don't see any need to increase melee to 100, even though that is what i'm emphasizing in this build. If there is a very tough fight on the horizon, I can always use the melee skill magazine.
IMHO, the only need to increase certain skills very high is to meet certain perk requirements, such as Survival 70 to get Rad Child, Unarmed 70 for Piercing Strike, Repair 90 for Jury Rigger, etc.