Regarding Fallout3 crash issues. On my end it's related to athe audio drivers..at least that is what it looks like.
If you get the crash to destop when yu start the game or after you hit new game after the game loads...try uninstalling the audio drivers. Then Try starting the game. On my end I can only play fallout 3 with no sound or not at all.
Guess I should have kept my mouth shut when everybody was getting crash issues with clear sky & the orginianl stalker...this is the first game since the boot disk days that wont run.