*Then its not a good game hug*
Thats the very problem right there. If the game is going to punish you for being an open world game to level you up a certain way, then the game is done wrong, and isn't fun. I know that I wandered around a very long time in 3 so far, and I have been able to take care of myself in just about every situation that comes up. If I ran into a deathclaw right off the beaten path in the beginning, thats just bad game design, and frustrating.
So yeah, like I said, not worth the price vs enjoyment factor.