Just as a general philosophy, a non-adversarial game should never be balanced with anti-save-scumming in mind.
Divinity is designed as an adversarial game though, the intent is for you to play with another person, and save-scumming in that scenario would be obnoxious.
It's really more of a solution so you 'don't have to' do it, rather than so that you 'do not'.
NPC's carry static loot, you can help yourself to a static amount of it.
No fail and reload every 6 seconds for half an hour, till you get exactly the thing you want.
