Ammo is a problem idd besides crappy .38. I'm in middle of the game now, I play it on hard and it's easy overall imo. If I'd put most points in agility, perception and endurance at the beginning and used power armor at all it would be a cakewalk, rifle perk + gun nut is OP.
The game overall is pleasant but weak for a fallout game imo. Pluses are that it's massive and you can build guns, armor even settlements. Some locations are really well made. Story and quests are rather dull, some characters are good and distinct like Valentine but overall in most cases you don't give two shits about story and kill random raiders in the wasteland. Cool game but have very little in common with Fallout1 and Fallout2 unforunately. Perhaps worst Fallout so far.
I haven't played yet, but everyone says this about every fallout game. Fallout is vastly improved with patches and downloadable content over time. That's why I'm holding off like I do with every Fallout.