The main problem I have with FallOut 3, is that it ISN'T FallOut!!!
FallOut 1 and 2 were top down RPGs with insane humour, colourful presentation and a great story.
They were fun, and because they were top-down RPGs the levelling system is something that just goes with it and belongs with it. Characters were interesting and really belonged there and who you could atleast sympathise with, or if you're feeling like an ass, completely screw around with.
FallOut 3 is a serious, depressing, bland, generic, completely unfunny, Grey-Brownish FPS with an out of place levelling system, and a contrived story with characters that are as bland as their environment.
It's certainly NOT FallOut, what the hell it IS, I don't know.
Past-Apocalyptic Halo?
Modern Warfare Post-Apocalyptica?
I'd say, FallOut 3 would have been much better is they used an engine from let's say, Neverwinter Nights 2 or something instead of the Unreal Engine, or whatever they were using.
There first two FallOut games were RPGs, I can see no valid reason (except trying to get the Halo fanboys to buy this) to not have FallOut 3 be an RPG too instead of the 10th bazillionth generic FPS that it has become.