Ah. I played FO3/FNV a lot but I can’t remember any ghouls but the feral ones. I remember in the first two games the ghouls you could take to, can’t remember which game but you could have a Ghoul side kick.
That reminds me...Atop the supermutant radio place in NV (with the whacked out DJ) the mexican mechanic dude was a ghoul you could also have as a follower.
In NV also, the chick in vegas you recruited at the old Mormon Fort as a hooker for the bar was a ghoul also.
FO new vegas. There is a ghoul who performs insult comedy at the atomic wrangler casino.
I think you are missing the ghouls like the bartender in Megaton or the ones in the ghoul city in Fallout 3. ...and yes, they could be whiny.