I totally disagree.
With my sniper rifle I could take out Deathclaws with ease - even if they surprised me...... Just backpedal and plant 2-3 shots in their cranium.
I still have 'oh crap' moments in Skyrim (more than in FO at high levels) b/c of Draugr Deathlords at high levels and a few other creatures.
In FO and FO:NV once I was over level 20-25 I never died..... I had such high armor/# of attacks/weaponry that most things were mowed down....
Maybe if I met 3-4 Deathclaws or Cazadors all at once with them having surprise would I have to reload.... maybe.
You never played Lonesome Road did you? Go play lonesome road on very hard hardcoe and try to sneak attack a death claw there, i dare you. Watch what happens XD. i was lvl 50 had every perk for damage and stealth boosting imaginable I was a certified beast. I went up to Rawr in stealth with an Anti-Material Rifle AP ammo, and poped a round in his head, not a dent, he proceeded to find me and one shot me, at first I said ah its just one boss, then i did it to a nearby death claw, needless to say I went in the next time with all my weapons on go and brought my strongest armor and gear and even resorted to abusing turbo just not to get hit. mind you this was a lvl 50 god pc (No not god mode but as in uber powerful) and I was never more afraid of a death claw in my life.