People need to stop using Raiders (or Super Mutants or Ghouls, for that matter) as examples of idiotic AI. Why? Because those particular enemies are SUPPOSED to behave that way in the context of the game world. Heck, one of the random encounters in FO3 is an initiation of a rookie Raider by a group of four others where the rookie is stripped and the other four are beating the rookie with baseball bats and other blunt melee weapons. These groups of enemies are SUPPOSED to be drug-crazed maniacs or super-strong, super-dumb Mutants or brain-rotted former humans. They are not supposed to be tactical. In fact, in the case of Raiders and Super Mutants, they'd view any sort of tactics as being weak and not worthy.
A worse problem is when modders give human intelligence to animal AI or have human/humanoid enemies communicate telepathically (BoS has headsets for communications and coordination but animals and other human/humanoid enemies do not). Tactics doesn't matter much when the AI does things that simply cannot be done in the world context, from telepathic communication and coordination to firing weapons at speeds that are far faster than possible (as can be experienced when the player tries to fire the weapon at maximum speed). Likewise, the whole "infinite ammo" needs to stop, as well as companions always picking up/switching out any weapon assigned with another that has greater damage even when the player has assigned a specific weapon to the companion for tactical purposes (excluding cases where the companion's assigned weapon breaks or they actually run out of ammo, or they are disarmed, of course).
All of these are greater AI issues than certain groups like Raiders charging a fortified position heedless of their own lives. In fact, historically, there are many examples in real life of soldiers needing to sacrifice their lives by charging heedlessly into an almost certain death. The Normandy Invasion (D-Day) in WWII is a very well-known example in relatively recent history, but there are many others.
I've pointed out problems with the AI and why they need to be fixed in other posts, too, but I wish that everyone would focus on the real issues rather than perceived problems that really aren't problems in the world context of the game (and changing such behaviors could actually detract from reasonable behavior by various enemies given their world context).