Thank you for helping out on this one everyone that posted. I don't mind these learning curves, in fact it's one of the things that lured me away from my normal games into this genre, it's just taking some getting use to and I REALLY appreciate the advice. I play a lot of space sim TBS like STARS! but that is obviously a little different so that isn't helping much. Thanks again.
One effective tactic fighting slower enemies, like rats, is to turn the tables.
Hit and then move away, the rat will move to you but wont have enough action points to attack, next turn you again hit and move.
This requires you to have enough action points (high agility), but can be crazy effective, especially early on in Fallout 2.