Nah, games don't need that sort of "realism"; this sort of thing always turns out to be sort of slapped on, fun thing. Fable had this stuff, buying houses, having a wife and all: but in the end it was nothing really.
It didn't add that much, fun yes, for like 15minutes.
I'dd rather have bethesda focus on story and voices. I want mored differant sounding peepz in my world!