Mount and Blade had campaign difficulty sliders, separating the campaign and the combat difficulties from one another.
Fallout 4 changed its focus from rp to sims like strategy. The settlements are a major part of the game sandbox design, but they feel unfinished and never reach beyond the limitations of their sims design.
What the game needs is more Mount and Blade - end game with back and forth settlements conquest After all, we keep hearing about generations of struggles between the people of the commonwealth and the harsh wasteland, we need to feel it aswell.
We need to feel that we can lose.