1 vs 5 points in Charisma means an 8 skill points difference in Speech and Barter.
I haven't been doing any calculation on optimal builds though, so perhaps a different balance of SPECIAL and skill points can give you high Speech and Barter skills without having to skimp on other useful skills?
Of course there are certainly other ways of playing the game, doing quests and building your character than passing dialogue skill checks, but reading this thread it sounds to me like you some of you are saying that Charisma is flat out a waste of points regardless of build?
