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If you're packing pistols, having a high-damage pistol as your primary and equipping a weak, low AP pistol can be a great combo for killing or reducing enemies to low HP that you can then finish off with your weaker pistol, allowing you to have more points to back away.
Other than that mercantile is not super useful. Might be able to negotiate for more money in quests/trading, but making money is not particularly difficult for any build on any difficulty.
1) Don't dump everything into utility you will get your shit rocked. Charisma and crafting don't mean anything to a rabid Rathound or a Maniac who's decided that you're ass is grass and he's gonna mow the lawn.
2) You don't need to be a jack of all trades when it comes to combat either, I'd stick to one or two combat-based skills on your first playthrough. Throwing is really more of a gimmick stat because as the guide points out you're only going to miss by about 4 tiles. If you get a bad grenade toss just save scum it. That being said there are some interesting builds based around throwing knives and melee.
3) Most importantly of all Experiment with it, different builds work for different people I've managed to dump nearly 500 hours into the game and I've only done about 4-5 solid builds.