advice: collect 10 B-Hides, go near an unguarded town in north, make tent near it, collect stuff from versus encounters.Sel them for caps, buy a base with your rare ingame friends(2 will sufice) buy a base and live forever after(or untill the next wipe, in this case repeat)
now seriosly, avoid guarded towns:Hub,NCR,SanFran,L.A and vault city and life near an unguarded town, all have + and some big -, but is better than this metropolies
You don't understand beauty of "guarded" towns, unfortunately evil GMs trying to regulate things and evil devs making guarded towns more boring with each update by making them really more guarded. Idiotolized killing, bazooka/grenade/minigun/smg/gatling/lsw/m60/bb gun killing, suicidal disarming and picking up guns, suicidal crippling, impersonating guard/cop, tent(or other AI stucking) exploiting, exit grid followers, overdose killing with super stims, traders' killing, traders' luring and closing with brahmins in pens or BoS bunker or jail and replacing trader with a slave with the same skin, bombing, stealing, planting, trolling, bursting, killing, exploding, melting, cutting in half, making holes in bodies, drawing images on ground with items, killing looters and looters of looters and looters of looters of looters, running away from guards, luring guards in corner leaving public place unguarded for a time, luring guards to trader in brahmin pens or jail and block them with him, cleaning town from guards, putting alot minerals and ore into lootable NPCs, so they will be overweighted after respawn and won't run, putting bazooka or minigun to Henry's body so he'll explode some bluesuiters after respawn when someone punch someone in his FoV, exploding workbrenches with dynamite, punching others infront of crazy bursting guards who will kill you, your victim and some random guys passing by, etc.
But what they're doing? Town reinforcements, changing reputation, NPCs don't follow anymore after death and Sha Enin became immortal GM-like impenetratable highlander, guards won't chase you from other corner of map, you can't loot most NPCs, still possible to expoit AI, but evil GM may teleport and kill you with his Force, lots people running around in CAs/BAs and noone cares, you can even stand afk there, guards killing too fast, can't escape from middle of public place anymore by walking to exit grid and talking to others at the same time, while guards shooting you. I wonder what will be in like a year, I think guarded towns will be dead, because nothing will happen there, boring guarded place where noone dies every 20-30 seconds, where you can't do anything fun, where all coming to trade with immortal NPCs, craft in uber-guarded workbrenches with 20 immortal stationary-guards-extrasenses with single-shot-wall-penetrating guns. Where you'll be killed before even think to kill someone.
May be some day guarded towns will become even more boring, but now there're few things left to do to have fun, unfortunately there're less and less things with each update.