Fallout is not hand holding whatever the hell you said. It requires thinking. Refer to, the hacking minigame, figuring out the most efficient character build, addressing how to deal with combat situations, I could add more. As for the hand holding, Fallout 1 and Fallout 2 held your hand as well.
How did Fallout 1 and 2 hold your hand? Did they have a little map marker telling you where everything was? Did they have an "alert sign" when a grenade was at your feet? Did they have an incredibly overpowered mechanic named VATs? In fact, Oblivion and Fallout 3 both hold your hand more than any other "RPG" there is on the market. An eight year old could beat this game without a guide.
"Most efficient character build?" Really? Fallout 3 has the most ridiculous character building ever.
It doesn't matter which skills you tag, especially if you have Broken Steel. Tagging skills and development of skills is FAR more important in Fallout 1 and 2, because you specialize in one field. For example, you can be a huge brute in Fallout 2 that can wield any big gun in the world, while decimating everything in your path. However, you're going to be so stupid and ugly that no one is going to want to even talk to you.
Can't say the same for Fallout 3, where it doesn't matter where you distribute your skill points at all.