Fallout 3: Still doing just fine without all the haters.
And Fallout 3 had amazing writing too, look at some of the terminals in the game like the one at the Germantown police station where a National Guard nurse is documenting everything that happened right after the bombs fell, look at Carol in Underworld when you ask her about what the war was like, look at the sewer where the father was sending out a radio signal asking for help for his sick son, those were all amazing.
Yeah the main quest had some plot holes in it that the fans that had been with the series since the begining would have a problem with, and I can understand that, but don't say that the writing in the game svcked as a whole when it didn't.
Oh and before somebody else says it: vampires, collecting nuka cola for a psycho, blah blah blah every other little nit pick people like to come up with.
TBH, none of those are particularly good writing in a technical sense. They are merely competent writing. Compare, say, Randall Clark's voice to the voice of the nurse in Germantown - Clark has a well defined personality and characterization. The nurse does not.
You're basically pointing to those as the absolute pinnacle of FO3 writing... And to be fair, they are the best that FO3 can show.
But, if they were in FNV, they'd be in the middle of the pack. Not as evocative as Vera Keyes' story, nor as memorable as Tabitha or the brains in the Big Empty. Not as laden with depth and multiple layers of meaning as the Remnants story, or Ulysses' story, or the story of Joshua Graham.
In terms of writing, FNV has a whole lot more high quality writing than FO3 does. Which makes sense, as Obsidian are in the god tier for video game writing. They're specialized in that. Say what you want about bugs, but there has never been an Obsidian game who's story was not top notch.
Bethesda, instead, are artists. And it shows, for good and ill. Good in that they're really excellent at visual design and creating atmosphere through that visual design. Bad in that their writing is simplistic and generally garbage with a few gems in the rough. Remember Morrowind? Its entire plot was told rather than shown. That's a huge no-no for any sort of storytelling. Remember Oblivion? Where do I even start there? Beth has never been good with writing. They've been hugely good with atmosphere. Morrowind is popular based almost solely on the exotic setting. TSI was heavily praised for its unique setting. Fallout 3 was rightly praised for its setting (even if it didn't strictly make sense.)
Fallout 3 could have tried to explain why it wasn't hit.. The only parts that were nuked was Vault 87 and apparently the White House, yet everything around it still stands. The USSR and other countries would have sent nukes DCs way as well as many other American cities.
I vaguely recall the old FO3 website having fluff pieces that mentioned some kind of ballistic missile defense system that shot down a lot of the nukes heading for DC. Mind, none of that comes up in the game at all, and it still doesn't explain how so much is still standing since even one nuke would wipe out most everything.
Fallout 3 has DC still radioactive after 200 years and yet all but the White House is still standing almost like they were on the day of October 23, 2077 before the nukes. People go on about how great Fallout 3 captured the nuclear apocalypse. That's total crap because first it has been 200 years since. Second, almost all the buildings still stand. Third, its DC for crying out loud, it should have been a huge crater miles across.
Personally, I figured the 200 year radiation is because the Vault 87 reactor is still pumping fresh radiation into the water and air. But that's totally my conjecture and never mentioned anywhere in the game. (Again, poor worldbuilding here, so you're right.)