Well,i agree with you mostly.
But for fighting,i insist on not saving and loading a lot.If a game can give the pc more information for the outcoming fight,then most the saving and loading can be avoid.To save and load a lot just ruin the feeling of reality.And you dont take care.Why take care?If you are died ,you can always load.So our pc are fearless.So i dont prefer to S&L.But it is also very furstrating to restart again when you are dead.I figure out a small solution.When your all party is dead,you recruit a new party and continue the adventure rather than restart the game.In the road to victiory many adventers died ,but some do it.If it is in a TRPG ,we can relate the two party.For instance ,you receieved your uncle's dead,who was the adventurers that falled,and you gathered some of your friends to find the reason of his death.But as a CRPG ,this is too much to demand.