Making ghouls the lowest of the low would definitely help my character, being a ghoul herself (so she wouldn't be shot on sight), and yeah, if we're sticking to the lore, Super Mutants just wouldn't be in Britain at all. (The "canon" of Fallout 3 isn't 100% canon for me... The only true Super Mutants, in my mind, are those from the Core Region, and those
definitely wouldn't be found across the pond, even if an argument for Vault 87 Muties finding their way across could be made.)
The 23rd Century includes Fallout 2 (2241), 3 (2277) and New Vegas (2281), but this story could definitely be set earlier, considering all of the technology is going to be Pre-War anyway... I'd actually recommend, based on the premise, that we
do set the game earlier, around the era of the original Fallout (one hundred-ish years after the Great War). That way, there has been sufficient time for things to change, for mutants to happen, and for the Monarchy to begin their rebuilding, but not enough for the people to have built up their resistance movement yet...
By the way, another question: what are you thinking about Energy Weapons? Since my character has been around for such a long time (being a ghoul), and worked as a defense contractor before the war (meaning she would know how to use and repair them), would it be possible for her to have found some? Also, do the King's Men use any?
(Basically, her concept is that she was at the right place at the right time, a researcher for a defense corporation who leveraged her technical and engineering expertise to gain a spot in the Royal Vault. Around thirty years later, however, on a mission out of the Vault in search of salvageable technology, she and her scouting group stumbled upon an extremely irradiated area, and most of them died before they could find their way back. My character was the only survivor, but immediately began to feel the effects of ghoulification, as her bits of her hair fell out and patches of skin started to die and peel away. The changes continued over the next several months, eventually resulting in the complete transformation, but even with nothing but a few dead patches on her face the royals were scared shitless, and refused to allow her back inside, thinking the condition might be contagious.
So, she was left with nothing but the equipment the group had carried with them and her new-found immunity to radiation sickness, and had to survive in the ruins of London on her own. Obviously, there's more, as she lived for another 70 years or so before the events of the RP, but that's the gist. Obviously, she has both means and motive to assist the resistance in overthrowing the Monarchy, and an intimate knowledge of the enemy's technology to boot, BUT I didn't know if you would allow her to have some Energy Weapons.)