Money will always be the issue, also with games as complex as FallOut there is always a chance for fatal glitch. I've bugged main quest in Fallout 3 while walking on The Pitt area. Just like that, out of the blue.
But I think Fallout is worth the price. I've played good games like Terminator: Salvation but they are linear and short. With Fallout you have huge map, side quests and tons of other stuff to do.