head to head
Neither is simply harder - they are hard in different places. Fallout: New Vegas demands more execution; Hobo: Tough Life demands more variance.

Optimization · Pure Optimization
A faction-driven RPG-shooter where build and route planning shape every ending.

Optimization · Pure Optimization
A survival RPG testing resource management and city knowledge against the coming winter.
Fallout: New Vegas leans Optimization (Pure Optimization); Hobo: Tough Life leans Optimization (Pure Optimization).
Fallout: New Vegas leans clearly harder on execution.
Fallout: New Vegas
Shooter inputs with VATS assist
Hobo: Tough Life
Survival is menus and walking, not reflexes
Fallout: New Vegas leans a little harder on reads, though the gap is small.
Fallout: New Vegas
Scripted factions and enemies
Hobo: Tough Life
NPCs run static dispositions, not adaptive minds
Hobo: Tough Life leans clearly harder on variance.
Fallout: New Vegas
Some loot and crit RNG
Hobo: Tough Life
Weather, NPC moods and scavenging rolls pressure plans
Fallout: New Vegas leans a little harder on optimization, though the gap is small.
Fallout: New Vegas
Faction routing, perks, builds heavily rewarded
Hobo: Tough Life
Managing hunger, money and winter prep is the real game
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.