After reading your post again, it sounds like you want to play a sneaky scoundrel type, kind of a post-apocalyptic rogue, someone that would walk into a saloon and charm and talk his or her way both into and out of most situations, and could sneak their way out of the rest. Gunplay would therefore become secondary, and would rely more on crits and and big burst damage than sustained damage.
How important is settlement building to you? That really determines how much C you want to invest in; if it is important to you, then you probably want to put in a bunch of points. If a settlement is not so important, then you might want to take those points and maybe put them more towards something will assist you in combat.
Anyway, below is a suggested build:
S 3: you want three points to access the "Armorer" perk, this is a a good addition as it allows you to make big modifications to your armor.
P 4: four points for "Lockpicking", a critical skill in the wasteland, you will make tons of caps off of what you find in locked containers, not to mention invaluable materials, supplies, and resources
E 1: meh...you're talking and sneaking you're way out of stuff.
C 9: I'd put in 10, but let's just do 9 and leave one point for the Bobblehead, yeah? You can google it and see where to find it; they're generally easy enough to find.
I 4: I like a few points here for "hacker", "Gun Nut", and "Medic" ("Medic" especially, because Stimpaks are so plentiful and later on you can essentially heal your whole healthbar that it doesn't matter if you're taking so much damage you can outheal it with one Stimpak).
A 3: "Sneak" for sneaking, you said you want to stealth around
L 3: "Bloody Mess" will assist with your overall damage since you will be specializing in non-combat skills
Be warned this build might be a little fragile, but it should be pretty good if you are are careful, approach every situation carefully, and sneak around. I recommend getting yourself a good sniper rifle, a silenced pistol, and staying out of melee range as much as possible. Take full advantage of your companions and charisma abilities!
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