1. Though early access doesn't always allow saving during conversations, this should be fixed in the release version. With quicksave/quickload, you should be set to save as often as you like, incuding just before a difficult check.
2. Despite similar requests from the community, this doesn't seem to be changed on release.
3. My impression is that gold is quite plentiful. If you're running low, maybe you could benefit from improving your reputation with vendors. It's a bit fiddly, but you can give stuff for free to vendors who will then give you better deals. Not sure how it will be balanced on release, but in early access the benefits of positive vendor reputation far outweigh the cost of getting a good rep.
