More polished? Have you looked at the Settlement system in its current form? Bethesda has a track record of implementing new ideas at the last minute, regardless of the impact it has on stability or in-world logic. The companion system of FO3 ruined the endgame choice, because there were a number of lackies that could have waltzed into the nuclear chamber and done the job without a thought. When you ask them why they won't do it, you'll get answers ranging from
"It's your destiny" to them not feeling like it. Go ahead and die now. Todd was asked and admitted that it fracked everything but it was worth because at least the companions were cool. They then changed it in the Broken Steel expansion.
Wherein they decided this was the best way to simulate a moving train.