Well even the best RPG's usually are somewhat about looting since loot is cash and cash is better equip.. and that usually helps you surviving.. to be honest in BG 2 and even planescape I was more looting than in fallout 3.. I actually don't need more cash in my game now.. just need to be able to carry stuff I think is special (which it's obviously not since it's always there in all games playes but I'm a collector and what everything that seems special to me in my house.) if I stopped doing that I'd probably just take some weapons, bullets and cash... most stuff in fallout 3 is just post nuclear junk you shouldn't pick up
I love fall out 3 really... but I'm not playing now due to my son just being born and I'm pretty far in the game and I'm playing on lowest of lowest graphs and the rest I'll play on my new (mid price) comp (will order within 1-2 weeks) so I can finish it on 1920x1200 on my new 26" screen
PS I loved populous 3 too

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Want a blend of
fantasy and
sci-fi? Try the total conversion
Dominions 3000 mod with a new and fully modded solar system map.
Dragons wanted? Try the
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New and different undead nation? Try
Souls of Shiar. Including new powerfull holy magic.
In for a whole new sort of game? Then try my scenario map
Gang Wars.