Yes, Fallout New Vegas is loving playable. What kind of godamn question is that? Are you loving handicapped? The game's been out for almost a year, as well as having multiple DLCs. I've played the game for over 200 hours and have not found a single game breaking bug. Plus you can mod the game to your liking. I don't know why people can possibly be confused if it is released as retail. Do you people live under a rock? Yeah, the game will crash if you go mod happy, but you have to realize this is a very complicated and open game with many, many different enemies, weapons, npcs, and routes.
Edit: Every game has bugs at one time or another. Get. The. forget. Over. It. It's godamn software, not a block of wood.