Whoa. G-g-g-g-g-GRAVEDIGGER! How did you even find yourself reading this thread?
Regardless, you do have enough to say to justify a resurrection, I think. I think the important thing to remember about the NCR is that as republics go, it's a fairly young, patchwork job, not even at its Centennial and with many of its important acquisitions taking place less than 50 years ago (as of NV). As you say, there's a lot we don't know about the core region, but they tell us enough in NV that it's a pretty fair assumption that it's a lot like the Wasteland as of FO2, only with some of the rough edges worn off and a lot more Westin- and Ascorti- types looking to take their piece of the pie.
To my mind, the best model for the NCR is, fittingly enough, frontier-era America. You've got your New England analogue (Shady Sands, and probably south at least as far as The Hub), the grand, stable old seat of commerce and governance, which is safe, urbanized, and rife with bureaucracy. Then you've got your other states, which vary in their levels of organization as well as their attitudes towards the capital and the Republic itself. They're probably more concerned with their own affairs, and though the Republic keeps watch on things as well as its able, they're probably subject to more brigandry and lawlessness than the bigger cities except for more crucial areas where NCR (or business interests with the government's ear) prioritize keeping the peace. Areas like New Reno and their environs are still pretty chaotic and autonomous despite being a part of the republic, and the Brotherhood war is still on as well, posing a danger to certain Republic elements as well as taxing its military strength. That's why you hear about people getting hit on the roads and about caravans needing protection, though with the NCR military being a formidable force regardless of how thinly its stretched, it's all probably small-time gangs rather than large, named, organized groups. Aside from the Brotherhood, no one is tough or dumb enough at this point to give the NCR a target worth paying attention to.