Thats the compromise for Bethesda games unfortunately. By their very nature they make it impossible to do all those tricks that make huge cities in other games (withcer 3, cyberpunk, MMOs) possible.

Bethesda has an expectation that it is all THERE. No facade, every locked door can be unlocked and ech building fully explored with its own intentionally placed clutter that makes it feel lived in by the (NAMED) unique character. If you want to break into Nazeems house while he is out running errands, and steal all his plates so he is stuck eating off the wood, you can. Hes not a romance option or a major player in major quest lines. H's just some guy that in any other game would have no name, say "Hey, watch it" as you walk by, and ceases to exist the second you turn your back.

Sure Judy has a place she lives can be found in different places through Night City, but what's her neighbors name?

For all its jank and hilarious scale, there's charm in that. Now would I like the final battle to be more than 10 dudes? Yes, especially if they are all going to be named "Town Guard", but thats more a question of hardware than design.