Floodnik is right: players are not Vault Dwellers, no ghouls, no Armorers, they all start as wastelanders and it's all their choice what do they become.
There is absolutly no problems on this part, it perfectly fits Fallout and don't have to be changed.
Also this hardly solves current problem with character customization. 3d players will allow much needed appearance selection and hopefuly rebalancing perks and maybe even SPECIAL will allow free stat customization.