The reason NV is my favorite is cause of the choices you get to make during the game, the story is set up to seem like there really isnt a right choice to make so whatever you choose you'll still feel like people are being screwed over. That makes it feel like your decisions had more weight than a simple good or bad decision. I liked how every town had a unique backstory with factions that felt more fleshed out than they do in FO3 and 4.Fallout 4 improved the gameplay and pacing, the settlements were very intriguing to me. NV was a whole lot of walking and talking. Which is cool. But it just felt too slow and drawn out and after playing 4 the gameplay in NV is unplayable.
However a vr version would be fire.
Most importantly, survival mode made the game feel so much more intense with the way you had to keep up with you hunger and hydration. Everything also had weight so you had to manage you inventory more that the other games because you couldn't just walk around with an endless supply of health boost and ammo. It made it feel like you were really just trying to survive in a post apocalyptic world.
I'd definitely put FO4 over 3 and I agree that they made the game more enjoyable in terms of playability. I liked the settlement building but I disliked how most towns had to be built from the ground up and the npcs were generic as a result. Would have been much better to have you choose one location to build and have the game do the rest so the towns felt unique like they did in NV.