I didn't expect Fallout 3 to be scary. The horror hit me like a ton of bricks. The game doesn't flat-out scare you like other games, but the actual setting has a sence of unsettling dread. Walking through the streets of the radioactive wasteland is creepy day or night. It's easy to become too immersed and find yourself nervous and down-right scared.
It's a wonderfully horrible experience that is not to be passed up.
QFT. Kinda like Bioshock, only more so. Doesn't seem scary, but by the end your crying and scared stuffless.
If you like being with friends, get L4D. If you like an awesome game, get Fallout 3. Its kinda like Wow and oblivion. If you don't care abount community, get oblivion (Fallout 3), if you msut stay in constant contact with friends, get WoW (L4D)
My 2 cents