LOL. Fallout 4 is "worth" the price only because of the content and moddability.
Graphics - While upgraded from FO3 and FONV, they're nothing like the best looking games now. Since EA has come up with a new trick to make its stuff look ground-breakingly awesome, Bethesda should at least put some man hours into researching the methods and doing it instead of wasting man hours doing the whole console modding and console mod vetting thing. It will go absolutely nowhere and will only be a liability as costs run up.
Load screens - No one uses that crap. it's 2015, not 2000. Bethesda has the correct idea: cells. But why they do not utilise it to cover places that would trigger load screen is beyond me. Look at MGSV (another crap game, though good looking one). Look at the http://www.nexusmods.com/skyrim/mods/8058/? mod for Skyrim. Do not make excuses for Bethesda, it is possible even with the current code, it is just not done.
Content - Like I said before, content and moddability are the only 2 things why FO4 is worth the price it is.
Combat Mechanics - PC and Console are different. Coders should implement them differently/separately.
Combat - Ever played ARMA3? There are no such thing as bullet sponges in real life. But thanks to mods like http://www.nexusmods.com/fallout4/mods/217/? , I do not have to deal with rubbish like that.
Dialogue - Not only because of the severe lack of options (only 4), but because of the dialogue themselves. Most notably, the crap that Settlers say when the player speaks, or go near to them.
Atmosphere - I am not "kept on my toes".
Stability - It is expected of a product to be reliable and not CTD every few seconds/minutes/hours. Do you expect your car's engine to stop working while you're on the highway? This is what internal testing and beta testing are for.