FO1 is the only one with a time limit. One game out of Five.
I think having a shelter fits the theme of FO. People are not just roamers who in their travel stumbles across some quest. In fact, they could start the game from your "house" shelter, whatever, and you upgrade it as you see fit. I don't particularly like having to live in pre made towns, possibly surrounded by people I do not like.
Or for examle if i wipe out a raider base, I wouldn't mind taking it over. Maybe even a bomb shelter and up top I setup defenses and hire guards setting up a slaver camp.
The protagonists are and should be roamers, roamers with an ideal and a goal.
Vault Dweller has to save his vault, not get a villa.
Chosen One has to save his tribe, not get a mansion.
The Warrior is assigned to duties, he don't get a penthouse.
The Courier has to satisfy his rage/curiosity/greed/loyalty/ideology and goes after Benny, he shouldn't be living it up in the Lucky 38 in the first place.
The only game who's protagonist it made slightly sense for is Fallout 3.
After you leave the vault, you need to find your dad and having no idea where he is it could take a while.
So getting a little safehouse until you find him fits.
But here's the thing, Fallout 3 deviated from what makes a Fallout game a Fallout game on so many things that this should be avoided in the future as well.
The formula for a Fallout game is this: You're out on your own personal agenda which drives you forward with a passion, along the way you help or screw people to gain advantages to pursue your own goal.
Fallout 1 did it, Fallout 2 did it, Fallout New Vegas did it, Tactics "kinda" did it and even Fallout 3 to a lesser extent did it.
Progatonists in Fallout aren't supposed to find a nice little home to relax in after a hard days work.
They're meant to pursue their own agenda at all costs and constantly move forward.
Not settle down.
So I don't think having shelters fit Fallout.
You're meant to be on the move, not get a home and upgrade [censored].
Cause you open that window then soon enough you will open more windows, then a door, then the whole wall come tumbling down.
We can already see it on the forums with people asking for jobs, marriages, offspring, decorating houses, starting factions and being a mayor.
Because we can settle down in the latest games people assume that Fallout should include other life simulator crap as well.
That window should
never have been opened in the first place. So personally, I want it shut, nailed down, then pour 4 ton of cement on both sides of it.