It sounds odd , but do you think fallout needs an actual main character? one with a voice and name and an actual solid history?
it would make for one hell of a charecter development story , but it would also kind of ruin the "myself" feel you get when playing with the general main protagonist.
basically what i think is that like in saints row, the character needs to be able to choose a voice that fits him, and thats about it, and maybe even choose like a name so in future games you can actually get recognition in the world, imagine an instance where you killed the NCR president and everyone would go on about "Did you hear about the guy named robert? they say he's the one who assassinated kimball, i'd watch my back from him"
or "they say this guy robert just slipped in like the best of NCR and just killed him, creepy"