It is vital that you plan ahead when setting your special values. Make sure you know what each attribute does before selecting how many points to put into it. The following is a list of things to consider while distributing points:
Will your character need it? If you are never going to use melee weapons or wear power armor, do not put many points into Strength. A Perception of 5 will generally put your enemies on the radar well before they see you.
Will you be getting a Bobblehead? A Strength of 10 is useless because the Bobblehead is in Megaton. The same goes for Intelligence; you will be going to Rivet City at some point. However, this is not true for Charisma; Vault 108 is a bit out of the way.
What kind of armor/clothing will you be wearing? Most hats increase Perception by 1. Most Wasteland clothing increases Agility and Endurance by 1 each.
Will you be using perks to further increase your S.P.E.C.I.A.L. attributes? The Ant Might, Ant Sight, and Special Training perks all do this.
Your Luck does not have to be over 5 This is because the "Lucky Getup" consisting of Lucky Shades, Lucky 8 Ball, Three-Dog's Head Wrap, any Lauck-increasing armor/clothing item, and the Bobblehead (the first two of which count towards your permanent Luck total).