I actually think this would be a great idea. Not taking it so far as becoming strategy, but in many old RPG's you could by a place to live. In Fallout, it would have a much more practical use, such as leaving unneeded NPC's there. What I think should happen is there should be random encounters that say "This would be a good place to build a home" or buying a house on the outskirts of NCR or something. You could hire people to build add-ons, add security systems (Hey burglars! Try this dual plasma cannon on for size!), and buy furniture. You could maybe start with a shack, and then add on as you got more money. If any of you kept on playing after beating Fallout 2, you might remember it got kinda boring... maybe a home could keep you occupied. After all, you always end up forsaken by your people anyways. Also, maybe you could start a family or something. Have Miria stay at home with the little Chosen Ones while you, Marcus, and Cassidy do a little adventuring. Hell, Goris could babysit! With the added disadvantage of mentally scarring your kids for life, though... Also, maybe you could change your small little wooden house into a gigantic mansion built out of steel! Would cost a hell of a lot, materials, etc. Maybe 75K, 100K, somewhere around there. You could have a storage room, a kitchen where you could make Iguana-on-a-stick, a medical ward, etc. And your NPC's could have uses around the home, Vic could help building, Marcus could guard, Lenny could provide medical assistance. Sulik would just hang out in the bathroom for all eternity, though. All in all, it'd be a great place. You could build up a harem, take those poor prostitues of the streets of New Reno, give em a nice home... heehehee... anyways, it'd pretty cool.
Thanks for letting me rant and rave...