Man, you're doing well on the "fighting in the apocalypse" front! I'm pretty sure there are ways to respec your perks, either in the original or, more likely, in the DLCs.
If not — there are mods available for XBox One's version of Fallout 4, as well: all legal and Microsoft- and Bethesda-approved. Won't crash your game, either, unless it's a particularly bad mod, and I'm sure you have the sense to distinguish, even if you've never tried modding.
Here's the link to the one big mod depository, already filtered for those that have XBOne support. Some small, some real big, like the Sim Settlements mod that has two expansions packs already and allows for massively-improved settlement experience.
Also: Fallout 4: New Vegas. How 'bout that.
Thanks for the advice. Rosa's not dead: she just sees a new light — which, appropriately, may give her a new, more solid character ground. I'm good to go with it now.