Subtlety is taboo in this game.
Which is the saddest part of all - F3 COULD have been one of the greatest RPG's of all time, if Beth had bothered to put in the time and effort to develop it properly. It's always felt half finished to me - they created this amazing world, filled with so much potential, and then said, 'Bugger it, that's close enough'. The vast majority of the quests are far too lineal (with the notable exception of The Replicated Man - why couldn't more of the quests have been like that one?), the NPC's are more like cardboard cutouts of archetypes, and the weapons are boring. Fair enough they wanted to cater for new Fallout fans as well as old - I understand that, it's just good business. But they went too far, and vastly oversimplified everything that made Fallout great (which is exactly what they did with Oblivion). It is entirely possible to cater to everyone - it's simply about choices.
A good example - you mentioned a zip gun. In F2 they originally had plans for the shiv similar to what you're talking about - if you had it equipped in, say, NCR, the guards wouldn't see it, so you could be 'armed' on the streets. It was never implemented, but at least they had the idea. What I want is something like
Vampire: The Masquerade - Bloodlines, where if you sneak up behind someone with say, a knife, you can stealth kill them without the need for a shooting match or alerting every idiot in a six mile radius. Yes, I know you can do something like that with the Mister Sandman perk, but it's still not the same. I want to be able to sneak my way through a raider camp and kill them all without them even knowing I'm there, using simple stealth. Unfortunately, F3 is inherently limited that way, making it impossible. Stealth characters are largely pointless - why bother when it's easier to just whip out a minigun and shred everything to pieces?
Don't even get me started on the DLC. The Pitt and Broken Steel are the only two of the five even worth mentioning. Seriously, what the heck were they smoking when they came up with Mothership Zeta?!?
And for God's sake Bethesda, stop stuffing up the lore, damnit!