Well, if you say that F3's humour is not "in your face", then I have to disagree. Girls dressed in pink clothes charging at you with swords? Exploding heads after every shot? Portable nukes, shitting robots? The chick with Nuca-Cola collection (the worst example of nerdish humour I've seen so far, I think)?
Not the subtle, discreet humour it is, now is it? Though there were moments that made me smile, it's not the same.
And for the record - F3 doesn't explain anything at all. Most of factions, quests and events don't make sense. People are eating 200 year old food. They are walking around the town doing nothing and suddenly they have money they spent on goods that are produced by God knows who. Where is the famed Radiant AI? I know the npcs in previous Fallout's also stood around doing nothing, but goddamnit, this is a completly diffrent engine AND there's a 10 years space between the games, you'd figure they would improve this. Besides, most of the world in F1\2 was described via text, unlike in F3.
Traders? Yeah, about 5 people with a single guard and a cow per each. I bet they can keep at least a couple of towns well-supplied. I don't remember precisly, but I don't recall them selling food (and cheers for their AI - stubmling right into the final showdown with BoS and Enclave is a GREAT idea). The size of towns...well, I'm going to skip that one.
Problem is, you will usually find yourself crawling through dungeon-like buildings filled with enemies devoid of character, only to find a broken down Assault Rifle and some ammo. Sometimes a humourous scene, at best (like the ones you mentioned).
I'm not intent on beating my point of view into your head, but I don't feel that people are criticizing the game enough - the amount of sloppiness and lazyness present in the game, as well as complete lack of respect for the work of original devs is absurd and the game does not earned the A+ reviews it scores.
You are entitled to your opinion, of course, but some discussion won't hurt, right?