I buy Fusion cores at 240 and sell them at 160, so I'm losing 80 caps each, or 33%. Then you re-sell the gear later to get some/most of your caps back. I don't know of an easy way in the vanilla game to store lots of caps one-to-one, but if you've got so many caps you just don't care anymore, you can always spend them all on gear. (It also does other stuff you may or may not like, such as 1000 caps weighs 10 lbs.) If you're on PC, there is a mod that lets you create a pile of caps in your settlement, then scrap said pile for the caps' value, which has the same effect as throwing them in a container, although the biggest cap pile is 1000 caps so it will take a while when you're in the vicinity of 100k caps.
At least you can sell to six 600-800 cap vendors in your settlement each reset with the level 3 Cap Collector perk so the sellback is a bit shorter. I could probably get about that from one of my settlement shops, and some extra from Goodneighbor and so forth, but that's still 40+ total resets. Handy in Diamond City, has 601 caps worth in one trip.
But with almost 130k caps, it would probably take me quite a while. This means I can buy a bunch of ammo, throw it in a box somewhere, then later sell it all for the exact same price. I have level 3 Cap Collector (although only 1 and 2 matter here), as well as 17 Charisma and 5 ranks of Junktown Vendor.45, 5.56, and 10mm rounds go for 2 caps each, while flares, railway spikes, and flamer fuel go for 1 cap each. I'm not absolutely certain this works in a vanilla game (I've got a ton of mods, so one of them may be causing this to work when it shouldn't), but in my game I'm able to buy and sell certain ammo at 1 or 2 caps each way.
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