Just got started (Maybe 5 hours in) and I usually do my first run on Normal mode. I don't roleplay other than to think of what the character's motivation in the main story is, and I usually try to be the good guy. I mix up exploration/wandering with Fast Travel, depending on what I want to do. So far I don't have a lot of interest in the settlement parts of the game, but that may change as I get more familiar with it. Once I get a good feel for how the game plays I'll probably up the difficulty to Hard or higher.