I just hit lvl 144 in FO4 on ps4. But I've just been taking it easy on very hard, thinking about bumping it up to survival though.
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It's more fun to start a new character. I was level 60 when I played survival on my main game and I opted out since I wanted to build up settlements.
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Survival is easy from ~10th level for most people. FO4 survival is just very very hard setting. Enemies deal more damage and have more health. Legendary enemies spawn a lot more often. Giving you alot more legendary equipment. When i stopped playing all my settlements had 12 people and they were all wearing legendary gear.