Ive seen countless articles listing this as their main "it grabbed my attention because of its depth" in fallout 3 but - it was basically the third quest and irregardless of choice, every player made a similar decision.. 50/50.
There was nothing "unique" about it in the slightest from bethesdas point of view. It basically just determined your house for the remainder of the game and wether youd be spending hours on end ridding yourself of -1000 karma or spending hours feeling like you achieved something when in actual fact - you hadnt.
Which, bethesda being kind enough, decided to not force you to make that decision right at the start and instead threw out around 30 settlements you could choose from and build a house at any location in these areas.