yes, unplayable. we start playing, 20 minutes later the game crashes.we reload and resync the game and find we only have made maybe 5 munites of progress. which means that 15 minutes of building was all for nothing.
as for FO4, i have been playing it since the day it was released. i have encountered very few bugs and certainly none that rendered the game unplayable. and yes, SOME of the settlement really suck. but most can be home to some great builds. as for corpses laving around your settlements, don't you bother to clean up after yourself? most corpses are easily picked up and moved and even if you don't clean up your mess, just go exploring for a couple of game days and when you return, all the corpses should be gone. the debris does get a little annoying, but it's nothing game breaking. as for settlement location restrictions, that can be annoying, too. but there is a reason for that. most settlement locations have quests associated with them and they probably didn't think it would be a good idea to let players build in places like Diamond City.
in the end, every game has it's pros and cons. but i have never experienced a game that was out right broken out of the box like 7DTD is.