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But in Survival mode to have nearby safe place with fresh food, water, bed to sleep, doctor cure your radiation and illness and store your stuff is almost mandatory.
Beside building settlements is closely related to crafting (like making farms for free adhesive, building robots, some extra caps from trade and so on)
If you aren't into settlement building as much, At least check out Vault 88 if you have the Vaultec Workshop DLC though, its the most fun of all the settlements
Best DLC for me so far.
But since you can set up a settlement in any way you like does it allow you to create your own personal work- and storage spaces. This lets you play around more easily with mods. I've seen players build themselves weapon ranges for example.
I personally keep using the decontamination arc a lot. And some settlements are build very close to some interesting locations where one can trigger an attack from the neighbors and one can farm them with the help of the entire settlement.
And there is the moment when you get bored with quests and explorations and just want to do something different instead. That's probably what I like the most about it, the diversity.
And by the way, xp from building can bite you in the ass if you are looking for a harder and lower character leveled game. I got a mod that stopped crafting xp because my character was becoming too powerful too quickly since i always do a lot of settlement building.
There's a mod for NPC scaling on the nexus, I suggest you get it! Adds nice challenge back to the game.
NON STEAM LINK BELOW (safe for work):
http://www.nexusmods.com/fallout4/mods/15961/?
I have been using it for a few days, now cannot live without it. I have a level 167 character.
Challenge is great but not too much (on medium) with no power armor. I know I won't get clobbered but If I fast travel and end up in a group of enemies, I could die pretty quick.
1. Less income
2. Harder to upgrade weapons, armor and robots.
1.
Considering you can set up a mellon farm in about 60 real life min. Which gives instant money/caps on demand. Harvest melons, go sell them to lady at Abernathy Farm who pays 5 caps per melon. Wait/sleep 24 hours. fast travel back to melon farm. Harvest melons go sell. Repeat. (remember to set up a recruitment becon, melons will not grow back if they dont have a NPC assigned to them)
Normaly build 1 melon farm
and the rest of your settlements should be water farms. (Water farms give tons purified water every 24 hours - if your settlement produce about 400 water you get around 290 purified water bottles per day (sadly with water farms you can not use wait or sleep 24 hours to spawn the purified water. It has to be 24 in game time played (so around 70 real life min.)
Water farms are good because it gets tedious to keep harvesing at your melon farm.
Water farms are smart because you can just play like normaly and then every now and then you can go pick up the purified water at your settlements and get tons of money.
Normaly i build a melon farm at the very begining. Then i use the money from melon farming to buy the materials to build water farms. Then when i have build 2-3 water farms i just go play and pick up the water everynow and then.
2.
And other good reason to build at your settlements are Adhesive farms "_".
Adhesive is a rare hard to come by material used for gun smith, armor smith and robot smith.
Also its very important to go for scrapper early on so when you dismandel weapons you get screws which are also very rare!.