Fallout 3 would be an accurate representation of life ~10 years after a nuclear war, but it's been 200 years and no one in Fallout 3 has set up any farms, fixed up a power plant, established a government, or anything else you'd expect people to do when rebuilding civilization. There's also way too much radiation still there. Radiation from a nuke does not last that long. In Fallout 2, There are large, organized governments as well as small, independent settlements. There are farming and mining communities, sprawling trade networks, power plants, and huge, bright cities. Fallout 3 has none of these.