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You can save upto 25% off your goods with a charisma of 20 (max charisma for affecting prices) so I wouldn't say it was useless.
My flaw is that you are taking up a valuable ring slot. If for example you are a kensai, you'll want to use a ring of Gaxx and a ring of protection +3. No room for the ring of human influence, and fumbling around with rings everytime you want to talk to someone or buy something gets quite annoying, so set the charisma high enough to start with and you'll be able to have positive NPC reactions, cheaper goods and use both ring slots to improve your AC/give you further special abilities.
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