What you are missing, is that this isn't about realism, it is about verisimilitude.
How does Fallout 3's reality fit in with Fallout's setting?
It doesn't. You don't see wooden shacks still standing in Fallout, and the destruction was much more omnipresent. The only buildings still standing from before the war were reinforced concrete, and those were also all heavily damaged. The atmosphere is one of an old, aged destruction.
The atmopshere in Fallout 3 is one of recent destruction, though. Walk around any city anywhere in the world and look at some buildings that were abandoned within the last 20 years: that's what most of Fallout 3's environment looks like.
How does Fallout 3's reality fit in with Fallout's setting?
It doesn't. You don't see wooden shacks still standing in Fallout, and the destruction was much more omnipresent. The only buildings still standing from before the war were reinforced concrete, and those were also all heavily damaged. The atmosphere is one of an old, aged destruction.
The atmopshere in Fallout 3 is one of recent destruction, though. Walk around any city anywhere in the world and look at some buildings that were abandoned within the last 20 years: that's what most of Fallout 3's environment looks like.