Yeah i suffer the same thing, in both games. FPS clamp works indoors, but my 8800 GTS 640 just doesnt cut 60 frames outdoors so you get a slow down. This is fustrating as even your walking pace slows down
and can take forever to explore. I end up looking at the sky just to speed things up.
Ive tried all combos to, drivers, sound. Funny enough oblivion never used to do in it on XP, when i first played it.
I believe this is problem for vista 64 users. Maybe an engine incompatibility
However i didnt expect the exact same problem to be in Fallout 3. A bit sloppy on Bethesda's part
edit: seems people on all OS's are suffering