You can still get lucky and have few high tier NPCs VS a lot of lower tier. I encountered this phenomen two times yet:
1 Mutie with few ghul friends vs horde of Raiders. Mutie emties his weapon and is slowly chasing everyone to punch them. Ghuls are killed by raider fire because they have not sooo much HP. Mutie is now easy target for raiders, and if no raiders alive to that point, easy target for player = all loot belongs to the player.
I know that doesn't happen that often but still is a thing that can be good or bad depending on how you look at it (realism, equal chances between NPCs in battles, stuff for player)