Depends. There are so many ways to kill things in this game. Melee, guns, stealth kills, and disciplines. I've been able to create characters wholly specialized in one of those four capable of clearing the game. They all have their tough spots in parts, but all are viable. I would hate to play a purely diplomatic character, however. Someone that only takes conversation skills is going to go crazy once they reach the sewers.
Personally, I enjoy the combat despite finishing Bloodlines more times than I could count. Back when it released, I spent a solid six months playing nothing else and still got into it. I genuinely enjoy that aspect of RPGs, however. It doesn't matter if it isn't very strategic or engaging. I simply find it satisfying to destroy enemies in games.
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Totally forgot about the Fat Larry persuasion bit. I took it for granted one might skip that skill. Persuasion and seduction tend to be popular choices. Still, missing that point in finance is not a huge loss if you have no ranks in it. The advantage of Fat Larry's free boost is getting it for the last point so you save on the huge XP cost. The 3-6 XP you get from receiving it early isn't as cost effective.
Worst case scenario, you can split points between finance and haggle to save a bit of XP instead of maxing out either.