My character is level 19, has about 350hp or so. I have him maxed on Intelligence and Perception, Strength's only at about 5 I think.
His perks include ones that enhance small guns, including Gun Nut, Commando, etc. Most others are non-combat related.
He wears leather armor, mainly because it looks best and is lighter, but does have one rank of the damage resistance perk, whatever that's called. His guns skill is at about 96 right now.
Got plenty of 5.56 ammo, usually hover around 30 stimpaks, and uses Combat Shotgun and a sniper rifle.
I can take on most raiders by myself, if not too heavily outnumbered. An Enclave party will kick my ass pretty quickly. I can take on a single deathclaw, if I'm careful. Just last night, two mirelurk hunters got me down to about 5% health while in a confined space. Had to run for my life and lay down mines to survive.
I'm actually pretty good at actions games. I use V.A.T.S. extensively, and get critical hits all the time. I guess due to the choices I happened to have made so far with my character, the combat in this game is still quite satisfyingly difficult, often requiring me to enlist the help of Fawkes.
I understand many of you find it laughably easy and "broken". Guess I'm just lucky. Go figure.