For stuff that isn't story related, and if the group is in the right frame of mind, I'd ham up 1 and 20 on social roles. Nobody is selling their estate, but they might decide they take a shine to the PC or something else that's fun. Similarly, a nat-1 could get the NPC offended, so they refuse a request grumpily or only help grudgingly.

Otherwise, I think what you're saying is how I'd play it.