There's a couple of water chips and yeah, you should get them before everyone dies. Note that the game does continue past you getting the chip, so you don't have to worry. Do it and explore more later.
As for the skills, all I remember is agility and intelligence is nice, adds to action points and skills when you level respectively. Luck adds to everything you try, I think, so that's good. Perception makes it easier to hit stuff .. Charisma and strength are the least useful I think if you are playing a character which uses guns. A certain piece of armor will up your strength to 10 late in the game and I always got on fine even if I didn't have a massive charisma.
And go for small guns!
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