A good question, OP.
Obviously my response is not specific to BG3 as I'm not playing this game, but generally, and especially in my playthroughs of the old DnD games, I've had only two self-restraining rules:
1) I will never harm an innocent, even if this results in me losing out on in-game benefits and outcomes (though I will rail against losing out on those things).
2) I won't steal from poor NPCs, even if this results in me losing out on some super-awesome item.
But on the other side, I hate the process of healing up my party after a fight, and will use, even abuse, whatever cheats/save-scumming I have to use to help me fully heal up my party.
