I've tried that before, building up all those skills, but it's still not enough, and stuff is blowing up in my face at an alarming rate. Just like with jam chances, I quite frankly don't trust the percentages the game lists for these things.
This time I have gone without any points in alarms, locks and safes. Obviously means there are some things I can't open, but I don't miss it right now. Most containers, safes etc have ridiculous content anyway. Ooooh, 3 bullets in this trap-guarded box. Now we can retire, guys! :D
The mechanic makes sense on paper. Without critical failure, many would probably keep trying on impossible chances until it opens, but in practice it's a bit silly when 1-5-10% criticals blow up in your face very often. Would be great if it was possible to simply mod out the critical failure chance from containers and suchlike. Personally I wouldn't bother to keep trying 20 times for a low-percentage success anyway, but it would remove the possibility of 90% success containers blowing up in your face, which is quite frankly very annoying.
But the biggest gripe I have with loot in this game is the total randomness of it, and that so little of it makes sense. It's like they've just run a script with some set parameters on all containers in the game, and that's that. No human interaction to decide what makes sense to have as loot or security in this or that area.