They definitely do pay off - having them will open up new dialogue options (so will having stats over a certain level, I think to see them all you need Int 14+, Wis 14+, Cha 16+). Also when you choose those options when you're talking, you have to pass a DC to get a favorable reaction, and that is rolled against the skill level plus any bonuses. They can add up to more exp, more $$, and seeing more parts of the game.
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There\'s one dwarf left in Moria that still draws breath!
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