On one hand, I am okay with what we do have in terms of towns and trading posts (I count four major towns and a lot of smaller places to trade and talk to people):
- Diamond City
- Goodneighbor
- Vault 81 (this is totally a town even if it's underground--it has shops, lots of unique NPCs, source of a lengthy quest and Companion; you can even get a permanent place to stay)
- Bunker Hill
- The Prydwen (technically a "base" but a "town" in that if you're allied with that faction, you can talk to unique NPCs, get quests, fix your gear, and trade.
- Covenant
- Abernathy Farm (named NPCs, source of a unique quest plus Radiant Quests if you're with the Minutemen, ability to trade with Connie)
- The Slog (named NPCs, source of a unique quest plus Radiant Quests if you're with the Minutemen, ability to trade with Deirdre)
- Finch Farm (named NPCs, source of a unique quest plus Radiant Quests if you're with the Minutemen, ability to trade with person who's name I'm forgetting)
- Warwick Farm (named NPCs, source of a unique quest plus Radiant Quests if you're with the Minutemen, ability to trade with June)
- Greygarden (named NPCs, source of a unique quest plus Radiant Quests if you're with the Minutemen, ability to trade with Mr. Brown)
- A number of small trading posts in Boston, east of Sunshine, and Drumlin Diner, plus a few I'm probably forgetting)
So I feel like I've got ample places to shop, meet people with names and stories, find quests, etc. while still having a world that feels appropriately somewhat empty and disconnected due to the Commonwealth's circumstances (there are fewer successful settlements and united societies because the Institute has been working actively for decades to sow discontent and fear amongst the populace to prevent them from being able to develop or grow so they can remain the Institute's source of easily captured guinea pigs).
On the other hand, I think it would have been better if there were fewer "generic" settlements, and even fewer settlements overall, but the ones you do get are more larger and more like Abernathy or one of the other farms--places that have named NPCs, unique quests, and stories, that you can expand and add trading posts, etc.--AND that this uniqueness would be expanded on (you can get more backstory, more quests, etc.). It would have been awesome if, say, Sunshine Co-Op still had some hippies living in it with Professor Goodfeels, etc.So that as you built things up, you felt like you were helping a small farm or settlement turn into a real town (which I think was the intent of the settlements, but it doesn't always feel that way).
Maybe DLC can help add to this.
(I am not comparing it to Skyrim because this game is not Skyrim nor an Elder Scrolls game.)