I've played for about 4-5 hours or so and it does really look like that hack+lockpick are pretty must or you're gonna miss quite a bit of loot.
Yeah, but it really doesn't matter at all if you craft your own stuff. You will find a very high-quality crafting component inside a locked container every once in a great while, but for the most part you'll be buying them from merchants. Pre-Deep Caverns, all of the Lockpicking loot in the game is worth maybe three stacks of Charons, which is certainly nothing to sniff at... except that in general, you'll find more than enough loot on slain enemies to sell up to merchants' limits, Lockpicking or no Lockpicking. I you have high Mercantile also, it might be a different story.
I have nearly 20,000 Charons, there's still excess loot stuffed in my locker at SGS waiting to be sold, and my character's still not quite level 14. I have Hacking, and have been somewhat disgruntled by the comparative lack of hack-able stuff. There are special hacking dialogues, but I'm not sure there are enough of them to justify the disparity, especially since Lockpicking provides access to ventilation systems, which are absolutely everywhere. Meanwhile, there are blocks of houses to rob in many stations that are Lockpicking-only.
All of this is to say that Lockpicking (and Hacking) may seem indispensable, but they really aren't. It's better in the long run to take Lockpicking and Hacking for exploration purposes, and for ventilation access/the occasional special hacking dialogue. Also, Lockpicking > Hacking, from a game-y point of view.
On the other hand, maybe there are a bunch of key hacking dialogs added since Early Access that I'm not yet aware of.
There's an issue with Mercantile, too: As far as I'm aware, it doesn't increase the quantity of Charons merchants have on hand every 90 minutes. This is an issue because even with 0 Mercantile, I still have plenty of items worth far more than any one merchant can buy (without adding some batteries etc. to the trade; they don't always have stuff you want to add), so I see no benefit to either selling loot for more, or to selling more of it.
Note, these issues may sound horrible, but they really aren't. You'll only notice them after sinking way too many hours into this game, or when some grognard comes along to tell you about them.
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