I don't understand why Finesse hurts your damage output as a sniper. I believe Lexx (or some developer) stated that if you score a critical hit, the target's DR bonus from Finesse is also ignored. If 95% of your eye shots are critical hits (at higher character levels), what's the downside? For damage, aim for the eyes; for crippling, aim for the arms. True, on a roll of 1-20 you won't bypass armor, but with Better Criticals you'll always roll 21 or higher. Then again, maybe the crit table is different in FOnline.
I've also heard people state that, with Finesse, you'll do "0 damage" on Radscorpions with .44 JHP weapons. How is that possible? I do an average of 20 damage per shot with a .44 Magnum on Radscorpions. The DR penalty from Finesse is only 30. That's different from DT; DR reduces damage by a percentage. So I should do an average of 14 damage to Radscorpions with .44 JHP (on a non-crit) with that weapon. If it's 0 when people test it, then it needs to be bugged.