But remember - only if you actually MISS
But remember, this is Fallout, even FOnline didn't made it other, 95% is really not 95%, because you'll miss more often than 1 of 20 shots, you can miss even 2 or 3 times in a row. Btw I thought that it's impossible to miss with point blank burst with 95% to hit, because I made many many many many many many many many suicidal bursts and I killed Sha Enin zillion times with point blank smg bursts. But.. I missed! For whole my life of playing FOnline I missed 3 times in point blank burst with 95% to hit, and all these 3 times were critical misses, also I can remember a lot critical misses with 95% to hit using laser/plasma rifle with 1 ST +weapon handling, lacking 2 ST. A lot SP killed on combat skill won't compensate lacking ST, even if you'll have 95% to hit, you still can critically miss a lot.
Oh, and if you leveled some characters on molerats, you should remember these annoying 95% misses, my record is: 5. Five! Five misses in a row with 95% to hit (0,0000003125% that it'll happen). I made it only once and it was on molerat hunting. I have 2 misses in a row often, it's common, sometimes, very rare, 3 misses in a row. One guy misses me 3 times in a row with 95% to hit in NCR when I asked him to kill me, because I wasn't protected. Once we with friend encountered some loser from section8 near NCR who used SG burster with fast shot in TB, lol, so I critically missed with 95% to hit and lost turn, then my friend missed twice with 95% to hit. While we were missing like idiots, he somehow managed to burst to death my friend from long distance, and only then I picked up my laser and killed him.