Many FO players wasn't to pleased with Tactics. For me it was a very fun game and one I've replayed more then I replayed both FO 1 and FO2.
The main difference with tactics over FO1 and FO2 is that it is only combat. You are given a mission and a location on the map. You then go there, do the mission and return to your base, where you can replace your crew, sell your loot and get better equipment.
I never tried BOS so I can't give you any info on that.
As for cars in FO3, the answer is no. At least not cars you can drive. There will be cars, but they are pretty much only bombs you can fire at and set them off.