Fallout 3: Best thing to do is put your Intel to 9 then run to Rivet City to get the bobble head. That'll give you over 100 extra skill points to deal out by the end of the game. Find all the S.P.E.C.I.A.L. bobble heads and you can get pretty much all the skills in the game as you level.
Fallout New Vegas: There are no bobble heads, the replacements for them don't raise skill or stat (so what do they do?). As far as I know there are no ways to permanently raise your S.P.E.C.I.A.L.; even skill books only give you temporary raises.
So what's the plan? Charisma was not all to important for Fallout 3, if that stays the same perhaps drop that to help build your character. (I go with an Agility character most of the time).
Anyone know more about character builds for Fallout: New Vegas? Is there something I'm completely missing out on?