This is what will save Fallout 4... mods. Its fun to play but its not grabbing me. Even skyrim grabbed me and I played it for a while. I haven't even touched fallout 4 over the last few days. Everything seems half assed.
Settlements are cool but have issues and seem mostly for the player's benefit that really liked minecraft with no real consequence or addition to the game world. The factions seem hollow. The story is meh at best. Where it shines is where fallout has always shined and that's exploration. I do like finding random vaults and locations in the Commonwealth.
Really think they could have added a lot to the story and to the benefit of settlements to where they become more than a thing to show friends and make a funny youtube video of a concentration camp. I really thought I was going to have an army when I helped the minutemen that I was going to be counting on later for a showdown with other factions. Didn't know how I'd use them but I thought it'd be more than it was. My own fault for expecting more really.