There is one more rule. Say Hello/Hi/Hey if you get into encounter with player (especially armed). Then you can try to get away. If you'll say nothing and just run it's like 'I have 5k caps hidden in a pocket, shoot me" for some people. If you say hi you won't be like a zombie but 'a human'.
This, it works on me!

Although I'm normally the one saying hi to a bluesuit....
Another tip is to bring at least ONE follower wherever you go... by god they are handy. *Is cornered by 3 deathclaws in cave*, "GO MY SUPER KAMIKAZE MONK!" Boom boom, Mickelh139 has fled from the scene of body parts.