I've owned the game since it first came out, and I can say without hesitation that I have never bothered nor do I plan to do any settlement crafting or building.
Why Bethesda decided to turn Fallout into The Sims is beyond me, when this first came out, the first thing I thought was, "Wow, this game is so much bigger than the others, imagine all the cool content they'll add later!" Instead we're left with a next-generation game that somehow has less content than both Fallout 3 and Fallout: New Vegas combined.
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