CMOT70: Fallout New Vegas (GOG)
I have no intention of derailing this thread, and I see you have finished games since this one, but i wanted to comment some additional points based on your post.
CMOT70: New Vegas feels too civilized for my liking- all of that faction stuff that everyone likes is exactly what I don't like. Fallout 3 feels more like being in a post apocalyptic wild wasteland just doing your thing.
That's honestly a very interesting observation I haven't seen made before (and I am a NV > 3 guy). I can't strongly counter your point either, and I thought it was worth highlighting it for its salience. I will offer that, for some (like me, though now I'm re-evaluating my stance somewhat), the proliferation of the factions and them being at different respective "power levels' is what can add to a chaotic feeling of New Vegas. Not sure there is a right or wrong answer here; just a matter of one's own perspective while experiencing the game.
A playing technique that has colored my experience and added to desolation/unpredictability: I don't fast-travel. Like, at all. Even when [small, veiled spoilers?] I've taken on extremely heavy items courtesy of the Dead Money DLC that left my character (beyond) weighted down. I still walked, step by agonizingly slow step, back to a safehouse to store them. I don't know that I would recommend this playstyle to everyone, to be honest. But for me, it enhances the immersion (and it feels, to me, there ends up being more "dead time" in the wasteland this way, than when I do so in 3).
As for the level cap issue (not quoted, but part of your post), I imagine mods can theoretically address that to some degree.