I've finished Fallout 3 but I'm not sure how many endings there are. The one I saw certainly had room for improvement, and it is better than Oblivion's main quest, although frankly that's not saying much. Like everyone else I finished at the 20 hour mark, and I've probably only seen a quarter of the world.
Every skill is at base except for (Lv 13 Wastelander):
Speech 50
Sneak 50
Small Guns 75
Science 64
Repair 82
Medicine 60
Energy Weapons 70
Lockpick 43
Perks: Toughness rank 1, Thief, Survival Guru (Moira Brown's quest), Strong Back, Sniper,
Scrounger, Rad Regeneration (Moira Brown's quest), Power Armor Training (main quest), Mysterious Stranger, Gun Nut rank 2, Educated, Daddy's Girl, Comprehension, Commando, Ant Sight (Those! quest)
SPECIAL: Str 6, Per 6, End 5, Cha, 5, Int 7, Agi 7, Luck 7
For what this might be worth, I have several regrets with my character build. The biggest has to be 50 points in Sneak, when I should have put that into Lockpick. Sneak was pretty useful in the Super Duper Mart, where there's more cover and isolated enemies, but from midgame onwards almost every hostile encounter is a confrontation against at least 3 enemies. In certain areas that are war zones, you have 2 groups of 3v3, and all you can do is pray they don't turn on you skewering the odds into a 6v2 . That's the reason why I regretted taking Sneak. Oh sure, the first shot is a critical, but his buddies will be alerted and that's when I'll assert that even Toughness is more useful.
The reason why I took on perks that grant skill points is so I can allocate the 20 points from each level elsewhere, thus ensuring a more balanced character. I suspect that a jack-of-all-trades is highly possible if one knows the location of all 323(4?) books + Comprehension. If I were to start a new character, I definitely would like to check out Black Widow and Child at Heart.
The point I want to make is to encourage those who thought that they might have made a bad build and want to restart into looking forward - level 8 when Scrounger avails itself is the turning point. Don't get caught in the loop of character building for > 5 hours replaying Megaton over and over with little progress made worrying about the little details - details that can be rectified. With the sheer number of skill books around and resources in abundance, I'm prone to argue that there is truly no "wrong" build for Fallout 3. See, even a half-baked build like mine can get through the game just fine, so I'm pretty sure anyone else who is convinced they made some errors with their statistical choices can manage FO 3 with little trouble.
As for my gear, I have nothing special. I was using Chinese AR all the way until its condition started to degrade badly and I've yet to locate another for its spare parts and my armors are all looted off the bad guys. I've not even seen a Fatman or unique gear until now.