So here's a totally fucked up idea: a fucknugget mod. It would place a group of raiders in a specific location on the map, and if you lose to them it starts the mod.
You wake up to discover that your limbs have been removed, and you're in the raider's compound
They tell you that you're their bitch, and if you want to live, you'll be a submissive slut for them.
Cooperating is tied directly to your food and water, if you resist, you starve.
They keep you hopped up on chems so that you can be controlled through addiction and withdrawal
The situation seems hopeless, until you meet the doctor.
They were enslaved by the raiders to keep them patched up and relatively healthy, and they performed the surgery to remove your limbs.
Said limbs were fed to the dogs, so no, you can't get them back.
Depending on a couple of speech/perk checks, you can start conspiring to escape with them.
They'll be doing the (literal) legwork, but you have an important part to play.
The doc needs some info from the raiders, and you have to somehow get it from them while they're raping you.
If they find out that you're planning an escape, the doctor gets their limbs hacked off too, and you fail the quest.
You just get endlessly raped until you reload or start a new game.
If you pull it off, you both successfully escape and the doctor says that they can craft you new limbs.
But doing so requires rare materials, which means hiring scavengers.
And since you are limbless, you only have one saleable asset.
You have to work as a prostitute until you've earned enough caps to scavenge the necessary parts, and paraplegics are pretty cheap fucks
You also still have to contend with your addictions; curing them outright is very expensive, and paying for the chems to satisfy them is a continuous cost.
Eventually once you've earned enough money, you can finally get your new limbs, ranging from junked robot parts at the cheapest and synth parts at the most expensive, and continue on your quest.