I kind of agree with you, to be honest.

Instead of putting this two things together and half assing them both, we could have had a more Fallouty Fallout 4 and a spin-off like Fallout: The Minutemen Story where you work in a Minutemen like faction somewhere to get it establish and working. With a much more settlement focused gameplay and with the big baddies being some raider factions, you have to deal with in different ways.