Megaton (built around a dormant, radiation-leaking, nuclear bomb), Little Lamplight ( built near a nest of insanely strong super mutants).
You can't even join the Enclave for crying out loud! Or destroy BOTH the Enclave and Brotherhood of Steel. Yeah, I know you can do it if you have the “Broken Steel” add-on, but since Fallout is an RPG with emphasis on choices, this option should have been in the main game!
Better atmosphere: Fallout 3 is modern post-apocalyptic and feels like “The Book of Eli” & “Oblivion”.