Big Guns are not the most efficient, weapon obsoleteness was built into the design of FO1 and FO2, the player was intended to utilize Small Guns, Big Guns and then Energy Weapons, it's why the loot in locations is practically tiered, also the damage resistances on armor reflects this as well. It's perfectly viable to use all threes weapon types regardless of which is the most efficient, including Unarmed (especially in FO2) (although Melee is altogether useless in both FO1 and FO2).
Luck will not cause you to miss, that's only factored by your skills in the various weaponry and SPECIAL stats that affect those weapon branches, such as Agility for Small Guns. Perception only alters range. What Luck WILL do, (and what makes a Luck 1 playthrough absolutely heinous for nearly any player) is not only reduce your critical chance, but increase your critical failure rate, and on Luck 1 it is entirely apparent.
Endurance, agreed, is useless, extra health at the start may be a boon but later on it doesn't matter. Combat is not Fallout's strong suit in any case, in fact, it's pretty awful as far as cRPGs go and the game should be played for character interaction and the well constructed quests.
Also level 24 is not easily achievable with all the quests, level 21 is the highest you will get to in both FO1 and FO2 if you manage to complete the majority of quests. Anything more will take grinding in random encounters.
Take a look at the damn guide I posted for Christ's sake, it's written by one of the senior members of NMA and is composed of information taken not only from extensive playthroughs but the actual files of the game itself. There's really no arguing about the mechanics of Fallout as they are flawed in biased in extremely specifics ways so there is no way to say that there is a "right" character based on preference but there is entirely an easy build to play through the game as while maximizing experience and combat efficiency and this is because Fallout is unbalanced as shit across all its iterations.
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