Disagree. I think the game of the generation will be decided this year. It's possibly GTA 5. But The Last Of Us is VERY close. That game really resonated with me. It's one of the few where the story was as strong as the gameplay. And I do NOT play games for story usually.
Honestly. heading into GTA V i was expecting it to steal the spot of The Last Of Us for GOTY but it's still TLOUS for me.
As for Fallout? it just does it for me. i love travelling along the wasteland with the old music playing. it strangely goes perfect with the post-apocalyptic setting. it's beautiful and haunting.
Top 5 games this gen would probably go:
3.The Last Of Us
4.Mass Effect 2
I think the contemporary setting of GTA is what stopped me from getting as immersed in it as the rest.