Just another coupla cents here: I've never taken a speechcraft perk and have always ended up independently wealthy. Even with my current character, who possesses 23 stones of Barenziah and has given up on figuring out where the 24th is.
I always find all the Barenziah stones . After that I never loot any gear off any NPC . I just sell the emeralds , and all the others for $$$ ... I had one Bosmer Toon that when I retired him had made 2 Million G off nothing but Gems . Man it's a hard thing being lvl 10 again and being flat broke.
I never take any speechcraft perks like ColleenG said ...