Maybe have 1000 RADS turn you into a Ghoul instead of killing you. After all, Ghouls are just regular people that were exposed to "ungodly amounts of radiation." Along with that idea, once you become a Ghoul, the Karmic meter should shift from Very Good and Very Bad to Human and Feral. If you're on the Human side of the Karmic balance, people will treat you normally, but if you're on the Feral side of the scale, people would shoot at you on sight.
That idea would probably need some reworking, but I'm sure Beth could pull it off.
Ghouls were not created immediately after the Great War in 2077.
The process took months or years. (so just being hit with a 1000 rads or more would kill you, not make you an instant ghoul, you would have to click wait for months not just hours.)
Specifically, the neurotransmitters affected in a ghoul's mutation are those responsible for cardiac and respiratory function in a healthy human being. These transmitters are continually regenerated at a greatly accelerated rate after the mutation sets in, carrying sufficient oxygen to sustain the life of the subject while being insufficient to retain dermal elasticity and avoid the resulting necrosis
(much like what happens during the course of the disease once called leprosy), the result of which is the decaying, corpse-like appearance of post-mutation humans.
Ghouls are generally as intelligent as normal humans. However,
their physical repulsiveness makes the life of a ghoul difficult at best - only the most tolerant human communities accept them as anything more than monsters.
What Wiki does not say is that ghouls are also very weak and can not carry more then 80 pounds at best. The ghouls in F3 don't look like ghouls of past games they don't look decaying and corpse like. Ghouls of the past had body parts falling off them, some had thousands of flies living in them and would be buzzing around them all day. Others had to "Mr.Potato head' their ears on. Playing a Ghoul would be very hard. If you still want to play a ghoul after all that info, then power to you.
I would like to see ghouls the way they used to be, weak, decaying and corpse like! No darn Reaver Ghouls ever again!