head to head
Neither is simply harder - they are hard in different places. Digimon World 2 demands more variance; Fallout: New Vegas demands more execution.

Optimization · Pure Optimization
Dungeon-crawling PS1 sequel built around DNA digivolution and grinding through randomized domains.

Optimization · Pure Optimization
A faction-driven RPG-shooter where build and route planning shape every ending.
Digimon World 2 leans Optimization (Pure Optimization); Fallout: New Vegas leans Optimization (Pure Optimization).
Fallout: New Vegas leans clearly harder on execution.
Digimon World 2
Turn-based dungeon crawling; no dexterity
Fallout: New Vegas
Shooter inputs with VATS assist
Fallout: New Vegas leans a little harder on reads, though the gap is small.
Digimon World 2
Fixed AI encounters only
Fallout: New Vegas
Scripted factions and enemies
Digimon World 2 leans clearly harder on variance.
Digimon World 2
Random dungeon layouts and recruitment rolls
Fallout: New Vegas
Some loot and crit RNG
Same score on optimization - which means the number cannot separate them. The difference is in what each one asks of you.
Digimon World 2
DNA digivolving and party math are the whole game
Fallout: New Vegas
Faction routing, perks, builds heavily rewarded
A matching score does not mean a matching test. Two games can both sit at 10 on execution and demand completely different things of you - which is why the reasoning above matters more than the number beside it.