I have played before wipe with one alt who had finesse... all i can say is... make another character without it
It's easy. You want more critical effects such as crippling, blinding's and knock-outs - go for a finesse, but at least wait for a "Better criticals" perk. Quite useful for small guns. With Finesse, 10 luck, and two perks you can have 95% of critical for eyes.