This wouldn't really work for a Ghouls or Super Mutant. Most people would shoot at you on sight. Few people would even talk to you. The game would be stupid if pretty much everyone treated you as if you were just another human.
Dude, no.
Ghouls would not be shot on sight.
It's been 204+ years, it's time to move past the ghoul bigotry, it's no longer interesting.
There should of course be those that don't like ghouls but shot on sight? That's ridiculous for how long ghouls have been in the world since the Great War.
So no, not "everyone" would treat you as just another human.
But why would the majority treat you that much different?
A shop keeper is a shop keeper, why would he turn away a ghoul? His dialogue could remain the same as with a human PC, maybe just a small difference in the first intro dialogue but nothing more is really needed.
Let's take Jeannie May, she runs a motel, in the first dialogue you get with her she'd go like "Oh my, a ghoul? Hope you aren't from REPCONN." Then you can ask "What do you have against REPCONN?" "Well, a ghoul group moved in there recently and their ferals have been running wild the past week and causing trouble, you can ask Manny or Boone up at the Dino about it if you want to know more."
After that you can return to the usual dialogue, and when asked to rent a room she'll go "Of course you can have it, but if you leave a stink you have to pay extra."
And that's it.
Nothing more is needed really.
She shows a little ignorance, but nothing else, no KOS, no "Oh HEEELL NO! NO GHOULS IN *MY* MOTEL!!"
Just a few extra lines of dialogue.
Let's take Sunny Smiles, her intro dialogue would be "So you're that ghoul that Doc saved huh? Well I'm Sunny." then when asked if she could help you with the tutorial she'd jokingly go "I hope you can keep up with me, then again, maybe ghouls are faster than humans?"
After that, there's nothing more needed.
Ringo, he wouldn't even aim the gun at you since he knows that the PG's have no ghouls and just introduce himself as default without that hostile part.
Victor would make a small comment on that you are a zombie.
Joe Cobb would in the intro dialogue ask what a ghoul wants from him and then return to the usual dialogue.
Easy Pete wouldn't even comment on that you are a ghoul.
Some NPC's don't even need to comment that you are a ghoul.
And most NPC's only additional dialogue is the intro dialogue.
Only some NPC's will have longer dialogue's.
I don't get why the dialogue would need to be so heavily modified for a ghoul.
For a super mutant I can understand, but not for a ghoul.
They have become integrated into society already, most people live and let live with them already.
KOS? That's ridiculous and should never be used against ghouls again (Unless it's Barnaky), maybe against other mutants, but not against ghouls.
It's time to put this bigotry behind us, accept ghouls into society and focus on being bigoted against other mutants for a while.
[edit]
UnDeCaf.
I don't think that the game needs to have tons of irradiated areas just for Ghouls.
It can have a moderate amount of places.
"But what about their regen and bonus effects gained from radiation?"
Well, now there is a reason to carry around irradiated food.
Ghouls could irradiate food and water at radiated sources and carry these things around to get bonuses outside of irradiated areas so it could still be viable.
As to Trogs enhanced vision in the dark, we don't necessarily need a lot of dark inside places, the ourdoors get dark at night.
I don't really care about the gameplay balance in that sense.
For me, it doesn't matter if there are only 6 irradiated areas in the game. I don't pick a ghoul so I can get lots of bonuses from radiation, I pick a ghoul to roleplay.
You might feel different but for me it doesn't matter if a Lacerta were to get the best benefit out of gameplay over Wastelanders, Trogs, Super Mutants, Nightkin, Sandmen and Ghouls.
I'd play all of them anyway for roleplaying reasons.
If a race is inferior to the rest in terms of the gameplay due to their lore then let them be inferior, if a player wants a superior race in terms of gameplay then let them pick the superior race.
I'll roleplay with the crappy races as well, just like how I roleplay with crappy humans in FNV. (Like the previous character I had, he only used pistols, and pistols are inferior to rifles, yet I used them becuase it fit the role I played as.)
So if there was a race that were as strong as Super Mutants, as agile as Lacertas, as long lived as Ghouls, as incredible with regeneration as Ghouls and Lacertas and as good as Trogs with their night time vision I still wouldn't play it over and over again.
I'd want to try out the other races too, to see just how different their gameplay is.
And hell, it'd put some perspective on it too, to see just how vulnerable or strong some races are from one another in the setting of the game.