This perk grants an extra 5% chance to land a critical hit upon an opponent regardless of the player's Luck attribute. This bonus is affected by a weapon's critical multiplier.
Although an extra 5% critical chance is undoubtedly helpful to any character, combining Finesse with other critical-enhancing effects ensures you get the most bang for your buck.
- Taking the Better Criticals perk increases critical damage by 50%.
- Using a weapon with a critical multiplier, such as the hunting rifle, greatly increases your chances of a critical without using an extra perk. A character with 5 Luck, Finesse, and a hunting rifle has a 20% critical chance outside of V.A.T.S.
Characters with very low Luck arguably do not benefit as much from Finesse, as they are not typically reliant on critical chance to be effective. This also holds true for characters that almost always attack from stealth - sneak attacks are always criticals and do not rely on critical chance.
In the Official Fallout 3 Strategy Guide, under the Luck section, it states incorrectly that you need a minimum of 6 Luck to acquire the Finesse perk. There is no minimum Luck score (or other prerequisites, for that matter) to select it.