I preferred the "blank slate" of the Courier and appreciated the opportunity to shape my character via general interactions and dialogue options.
FO3 on the other hand, was a disappointment right off the bat--growing up in yet another control vault experimenting with isolation a la Vault 13 with my age, family, friends, childhood bully, etc., all laid out for me. Especially disconcerting is the fact that things will play out the way they will play out regardless of your actions. For example, join Butch in teasing Amata in that one segment... doesn't matter, she still comes to help you later anyway.
FO4 looks to be more of the same--A pre-war survivor of all things, cryogenically frozen like something out of Demolition Man, wandering around centuries later in the post-apocalyptic world looking for his family.
I notice the longer time marches on in Fallout, the more ridiculous gimmicks Bethesda writers must to resort to in order to justify a vault dweller protagonist.