But they're not giving you traits. All they're saying is that you're married and had a kid. Hell, maybe you got married yesterday and you only got married for financial benefits? Not every married person is a loving, committed, family person. Psychopaths can get married.
In fact, Fallout 3 was even WORSE. Can't you remember? In Fallout 4 - you're married, have a kid and a house, and it all goes when the bombs fall. In Fallout 3 - your mum died at childbirth, you had a best friend called Amita, you were tormented (or merely annoyed) by a group of bullies called the Tunnel Snakes, your dad leaves you and you begin to chase him. Heck, in Fallout 3 they even forced you to play through the first twenty years of your life in a way completely determined by Bethesda.