Blaine I'm stealing your spear build and changing it up a little bit.
http://underrail.info.tm/build/?AQoFBgcDAwYADwAPAAAADw8ADwoFBQUFAAAADwAACE8
Lowered Will down to 3 because I can metagame persuasion checks and IDRC about mercantile. Lowered intelligence to 6 because I don't think PM is worth it, and pumped strength a little early. I'm thinking of maybe taking Nimble to give even more movement points, and I think I might level agility up a little bit early too since strength is already at 10. We'll see how it goes.
It's a good build. The only annoyance is that you're kind of stuck in riot armor, although you'll only lose out on a couple of feats and spec points if you choose to wear something else for a while.
I think I regret taking Armor Sloping instead of Nimble. It probably only makes sense to get the former if you've already got the latter.
Don't be so quick to ignore Mercantile, either. A decently high Mercantile can save you tens of thousands of charons on jet ski purchases alone, for example.
So for a non stealthy, non pistol user, it's pmuch just an energy field bonus, got it.
It's great for shield emitters, which are the single best defensive item in the game, so that alone makes it worthwhile. You'll also be able to get ten charges out of high-quality electric spears before they're out of juice, rather than only eight.
However, it's also great for moneymaking when combined with high Mercantile, because energy capacity has a dramatic effect on the value of all electronic weapons and items. Currently, I can purchase all of the parts for any powered item (cloaking device, shield emitter, energy pistol, etc.; it's important not to use any very low-quality components, though, as they'll drag the others down) from a merchant, assemble the finished product,
and then sell that product back to the merchant for a substantial profit. That's a pretty nice perk, because electronic equipment is rare to find in loot, and of course you need to relieve all merchants of their entire stock of charons as frequently as possible in order to furnish your mansion and assemble your jet ski fleet.