Having played for another week, it really has brought it home to me how broken this particular perk is. When it's practical (it was possible, but far too time-consuming in F3 and FNV) to loot absolutely everything - every weapon, every piece or armour, every piece of junk - there are fortunes to be made. Especially, as you level up - loot gets more valuable, and if you invest in charisma, vendors get cheaper. Pretty much every time I visit a vendor, I'm not only cleaning them out of caps, but out of fusion cores, 2mm Electromagnetic ammo and fusion cells. I'm at the point where I've got over 50,000 caps, 100+ power cores and 1000+ 2mm rounds, and I'm playing with power armour and the Gauss Rifle full-time. The only reason I even use other weapons (largely a fully-pimped-out Institute rifle) is because the Gauss is slow-firing and massive overkill for opponents like feral ghouls or basic raiders. God alone knows what all my other ammo is worth. Granted, this is after about 120 hours of solid play, but if I'd realised this earlier, and been more systematic about it, I could have achieved this much earlier.