It's way too easy. The Educated perk gives you double skill points from skill books, and there's so many skill books to begin with that you can max out nearly all of your skills if you do enough searching. Combine that with the Bobbleheads, and you've got a game practically plays itself.
Seriously, I didn't put points into gun skills until level 19 or 20 because I ran out of other things to put them in. Even before that point, the only enemies that even remotely challenged me - and yes, with a Small Guns skill of about 20-30 - were Deathclaws and Sentry Bots. Now, Sentry Bots are the only things that challenge me in the least, and only if I don't have any Plasma Grenades. I have 50,000 caps, almost all the weapons in the game, kill most enemies in one or two headshots, literally hundreds of Stimpaks and drugs, etc. The game was harder before this point, especially in the beginning, but now the only thing that has a hope of killing me is my own carelessness.