.... So, how is F3 bugs and glitches wise at this point?
FO3 has always been very stable for me.
At worse I get a crash to desktop sometimes when I enter certain outside areas or save in certain areas. But not very often. And suspect those may be caused by some of the overhaul mods I"m using.
But other than that (which might be due to my mods) it is very stable. Also for the PC there is an unofficial patch that fixes a lot of small bugs.
BTW, I haven't had problems with FO:NV but then I've only played a few hours. As I understand it there is a new patch that fixes a lot of problems. I think it is available now for the xbox and next week for the PC and PS3.