Imagine a Bloatfly. Now make it twice as big, pitch black with orange wings, has a melle attack on par with baby deathclaws, attacks in a swarm of 5 or more, can take multiple shotgun blasts to the head and still have more than half it's health, and when you think you're a genius for trying to destroy it's wings and get away, guess the f*ck what.
If it loses a wing it f*cking crawls to you with the determination of a suicide bomber. I can honestly say that even with my lvl ~13 character, I have never successfuly killed an entire encounter. It usually goes with somthing along the lines me taking out one or two with sneak attack criticals, unscope and reload, and then realize that they're figured out where I am and I have less than a second to use all of my stimpaks since I only have 1/8th of my health left.
All in all, I'm really loving Fallout New Vegas. It's almost drowned by glitches and lag, but it's still pretty fun. While I do admire that Interplay managed to stuff in so many new guns, I have noticed that there's only about 5 guns in the game that are actually Fully Automatic. Those would be the 10mm SMG, the Laser RCW(Laser rifle with about 40 shots per clip), the LMG, and 9mm SMG.
I still don't undersand the reloading bench, though.