I hate the Lucky 38. God, loading three times just to get my crap feels ridiculous. I don't know if it's the same on a PC, but on an Xbox it feels like forever doing this.
Haven't played for a while but I remember there was a motel quick out of Vegas with a location landing near it. I basically used it as a field HQ for planning raids and stashing a stuffforget of ammo.
Ninja: It's called the El Rey Motel.