Have you finished it already?
Nah, but I never finished the second one, and I'm still comfortable throwing out my two cents on it.
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I'm really not being completely serious here, I'm just trying to balance out all the ridiculous negativity with some ridiculous positivity. It's a very good game so far, it definitely has captured the atmosphere of the Fallout universe, and Bethesda clearly put a lot of care into it. I honestly don't think you can compare the first two with this one, I think it's silly to try. They are from different era's. Fallout 3 is a fantastic modern game, and anyone who complains about it not being a true Fallout game is only robbing themselves of a chance to enjoy it for what it is.
I have yet to finish the second one as well, stuck in New Reno. I tore through the first game though, could not stop playing it.
It's difficult to filter through all the **** and find opinions of people without an agenda though. I'll wait until the hype goes down and see if it has lasting appeal before I spend my hard earned? money. Hell I didn't finish the first Fallout until this year.