I would actually prefer to have no inclination to save scum. I hate doing it. It isn't fun. And in a lot of ways ruins the game mechanics and the immersion. But when I'm in the thick of it and something stupid happens, or I said the wrong thing, I reload at the drop of a hat. It sucks. I wish more things were put in place to prevent it. My choices would matter more.
I like that the loot does not change, except that it does on the first go round. So for instance I finally win a big battle, take the loot, then someone in my party steps on fire or i accidentally heal a zombie, I reload and the items are different. But just that time, further loads will keep those items. I dislike that the items change.