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I've never played any of the older games and was wondering if they are separate stories, or do you need to play the older games before getting into 3?

I love post apocalyptic / distopian games, but have to admit I have not played many CRPG's, nor am I a huge fan of turn based combat. Is this stilj a game I could enjoy, as I really want a new RPG story to play. Thank you.

You don't, no. 3 follows on the heels of 2's story, but it's also set far enough away that you'll just be missing out on some references and maybe a couple "who is this and why should I care about them" moments.