head to head
Neither is simply harder - they are hard in different places. Fallout: New Vegas demands more execution; Sid Meier's Civilization IV demands more variance.

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

Optimization · Pure Optimization
Deep empire optimisation over a hidden map against mappable AI.
Fallout: New Vegas leans Optimization (Pure Optimization); Sid Meier's Civilization IV leans Optimization (Pure Optimization).
Fallout: New Vegas leans clearly harder on execution.
Fallout: New Vegas
Shooter inputs with VATS assist
Sid Meier's Civilization IV
Turn-based clicks have no physical ceiling
Sid Meier's Civilization IV leans a little harder on reads, though the gap is small.
Fallout: New Vegas
Scripted factions and enemies
Sid Meier's Civilization IV
Human multiplayer adds diplomacy reads; AI is mappable
Sid Meier's Civilization IV leans clearly harder on variance.
Fallout: New Vegas
Some loot and crit RNG
Sid Meier's Civilization IV
Map generation and unrevealed terrain drive early decisions
Sid Meier's Civilization IV leans a little harder on optimization, though the gap is small.
Fallout: New Vegas
Faction routing, perks, builds heavily rewarded
Sid Meier's Civilization IV
Tech paths, tile yields and expansion math dominate outcomes
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.