In Oblivion, leveling up noticeably affects the hero's stats, but in Fallout 3 and Fallout: New Vegas, it barely does. Of course, by the time the player reaches a high level, they should be able to wear power armor and run around with a Gatling gun, but it's boring. I'm running around in leather armor with some revolver and a 9mm pistol. Meanwhile, the world is mostly populated by Deathclaws, which are almost impossible to kill with the weapons I have, and they, on the other hand, kill me with just a couple of swipes of their claws.
Besides that, I recently encountered a group of bandits, heavily armed and with increased health, as I understand. After a couple of deaths, I managed to kill them one or two at a time, but in the end, there was some really tough guy left. I couldn't kill him no matter how hard I tried. Then I started running away from him through the houses, shooting at him, but it was almost useless, then I activated stealth mode and remained unnoticed by him. He almost managed to kill me. I thought for a long time - what should I do: get the hell out of here, or try to kill him again, and I came up with the idea to try one trick. I sneaked up to him in stealth mode and... put a plasma grenade in his pocket, and I hurried to run away from him as far and as quickly as possible so that I wouldn't get caught in the blast. And then he was blown to pieces in a stream of plasma.