head to head
Neither is simply harder - they are hard in different places. Fallout: New Vegas demands more execution; The Settlers 7: Paths to a Kingdom demands more reads.

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

Optimization · Pure Optimization
Tuning interlocking production chains and racing victory-point routes.
Fallout: New Vegas leans Optimization (Pure Optimization); The Settlers 7: Paths to a Kingdom leans Optimization (Pure Optimization).
Fallout: New Vegas leans clearly harder on execution.
Fallout: New Vegas
Shooter inputs with VATS assist
The Settlers 7: Paths to a Kingdom
Slow-paced clicking - no twitch demand
The Settlers 7: Paths to a Kingdom leans clearly harder on reads.
Fallout: New Vegas
Scripted factions and enemies
The Settlers 7: Paths to a Kingdom
Multiplayer victory-point races involve anticipating rival paths
Same score on variance - which means the number cannot separate them. The difference is in what each one asks of you.
Fallout: New Vegas
Some loot and crit RNG
The Settlers 7: Paths to a Kingdom
Map resources are fixed and visible after scouting
The Settlers 7: Paths to a Kingdom leans a little harder on optimization, though the gap is small.
Fallout: New Vegas
Faction routing, perks, builds heavily rewarded
The Settlers 7: Paths to a Kingdom
Production chains and victory-point routing are the whole 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.