Did you read my post? I said that it makes sense but because the games tend to focus on deserted areas and because only so many npcs can appear at any given time, it is hard to imagine a densely populated city like Shady Sands. Thus the "anti-Fallout" remark.
again, thats only a new issue, with the gamebryo engine. In FO2 places like Reno had probably a few hundred of NPC's in it.