And... don't forget about this one:
4) Problem: I made backups from my savegames and now I can’t load them anymore
When you copy files from a CD to your HDD, the read-only flag is set by Windows, preventing Divine Divinity to open these files for writing. Clear the read-only flag by right clicking on the files, selecting properties, unchecking the read only flag and then clicking on apply.
But let's hope you never need to dig your savegames up, except for replaying them <img src="/ubbthreads/images/graemlins/winkwink.gif" alt="" />