Are you using my Full Realism Tweaks, or just some of the modules? I'm assuming that you are using my Hard-Core module.
Most users of my Tweaks tell me ammo and most of the chems are much harder to come by, than with the default game.
And having a low Luck stat makes a huge difference in how much loot you will find.
I'm using all of the modules, yeah. Halfway through level 5, I have around 2000 caps, 100 stimpacks, hundreds of rounds of every ammo type, dozens of grenades and mines, dozens of every drug, a nice collection of weapons, combat armor, lots of food... everything but water. I've just been saving most of this stuff since I haven't needed caps for anything. I can kill anything smaller than a Behemoth with a couple grenades. My character is a scientist/doctor type, and the only skill I have over 25 is Science, so I wouldn't say I'm powergaming. I have a Luck of 5, and no Scrounger perk or anything like that. This is actually about as far as I've ever gotten in the game, in terms of storyline, so it's not like I know where all of the loot is.
I do die pretty often but that's usually due to the large amounts of damage and bad luck. I wouldn't say the game is too easy, since I can only carry a small portion of my stash at a time, but I've been increasingly disappointed with resource side of it. This has been true of all of the overhauls I've tried, as well as the unmodded game. I don't know whether I'm an overly-cautious player, or a compulsive hoarder, or what. I don't exploit quicksaves, or anything like that. I play "good" characters, and never steal.
My load order, for reference:
Spoiler Active Mod Files:00 Fallout3.esm01 Anchorage.esm02 ThePitt.esm03 BrokenSteel.esm04 PointLookout.esm05 Zeta.esm06 Unofficial Fallout 3 Patch.esm [Version 1.2.0]07 Arwen_Core.esm08 RH_IRONSIGHTS.esm09 Unofficial Fallout 3 Patch - Operation Anchorage.esp [Version 1.2.0]0A Unofficial Fallout 3 Patch - The Pitt.esp [Version 1.2.0]0B Unofficial Fallout 3 Patch - Broken Steel.esp [Version 1.2.0]0C Unofficial Fallout 3 Patch - Point Lookout.esp [Version 1.2.0]0D Unofficial Fallout 3 Patch - Mothership Zeta.esp [Version 1.2.0]0E DarNifiedUIF3.esp0F CASM.esp10 RH_IronSights_Basic_VanillaPlugin.esp11 RH_IronSights_Basic_AnchoragePlugin.esp12 RH_IronSights_Basic_PittPlugin.esp13 RH_IronSights_Basic_BrokenSteelPlugin.esp14 RH_IronSights_Basic_PointLookoutPlugin.esp15 RH_IronSights_Basic_ZetaPlugin.esp16 GeneratorSound.esp17 GalaxyNewsRadio40[M].esp18 DisplayedAmmoWeight.esp19 WeightAmmo.esp1A Refurbishes [ALL].esp1B BBBackpacks-v1-1.esp1C MissingUniqueArmorClothing-Base.esp1D KarmaRevamp1010.esp1E CBOv1.4.esp1F Sensible Dismemberment Lite.esp20 Arwen_Realism_Core.esp21 Arwen_GOTY_Realism_Core.esp22 Arwen_Hard-Core.esp23 Arwen_GOTY_Hard-Core.esp24 Arwen_Med-Tec.esp25 Arwen_GOTY_Med-Tec.esp26 Whose been sleeping in my Bed.esp27 SpeechLiteCrimeDLC.esp28 Wasteland Travel Caravans.esp [Version 2.0]29 NullFx.esp2A CBO - Easy Mode Revives.esp2B Arwen Good Water Fix.esp
As you can see, it's pretty much just Realism Tweaks and some extras. The Easy Mode Revives plugin is something I made for CBO to account for the lower starting skills. I've only had to revive a companion (I've only used Dogmeat) a couple times.