Dunno about FONV, but even though I liked Inquisition better as a standalone game, it seems like Dovakhin gets the edge, since he can cast spells in dragonbone armor. THEN AGAIN -- if Adaar got to keep his OP-ass Spirit Blade spec, he's basically invincible/immaterial/unblockable/unbeatable, and can still access all the instant-cast spells he'd ever need to take down pretty much any target anywhere. So Adaar probably wins between those two.

Again though -- no clue on Fallout.

edit: Come to think of it, Spirit Blade reflects projectiles back at the attacker like a lightsaber, so Fallout Guy is probably fucked no matter what he brings.