So I think I saw the guy with the raincoat full of knockoff watches on the corner selling Origin codes for Mass Effect. . . . If I were to fakey either this for $30 at Amazon this weekend or FO4 for $18 through the Humble Store, which would you guys go with?
Can't speak on ME:A, but I do have Fallout 4.
I have around 113 hours with FO4, according to Steam.
FO4's great, but not on NV's level of greatness. It's a different kind if great, TBH.
The combat (which feels more like an Id Shooter) + gun-upgrading system has vastly improved the Fallout franchise here in FO4. I absolutely love the quick-look system, too - i.e. you can walk to a dead enemy, a box pops up, and you pick-up items on a dead enemy without ever going into the main inventory + stopping combat ; you can keep it the flow of combat still going (side note - you can also go into the usual time-stopping Inventory when you walk over the enemy if you don't want to Quick-loot, just hit the appropriate key).
But...the questing, RPG'ing + decision-making isn't on FO:NV's level. Not many quests have more than different shades of a "Good-natured" style decisions in FO4, which is odd for a FO game. A lot of quests in FO4 range from different shades of good here, instead of typical older-school FO's range of good, bad, neutral, and gray. In some ways, this feels similar to Mass Effect, in that way. In FO4 - you might do something nice, but have an extra option where you'll be a sarcastic jerk in the process and/or maybe be able extort more $ or extra items for doing a quest for something.
There's also tons of kill X guys, wipe-out X area, and quests of that sort, too - where you really don't have any decisions. Oh, plus if you find him - there's Preston Garvey's constant barrage of quests, too. "Go to X area; set-it up + colonize it; and defend it" or "Go wipe out X area and then we can colonize the area."
Also, this is a Bethesda game - they don't do the writing, dialogue, and stuff anywhere as great as Obsidian. Not even damn close.
For every step forward in FO4 (combat, upgrading equipment), there's a step or two back (questing + RPGing + storytelling).
Still great, mind you - but a different kind of great.