As I stated earlier in this thread, it isn't about people's option to save/reload until the game works out the way they want it to and more about the underlying designs that encourage save scumming. As Yahtzee Croshaw once said: "You can't blame someone for breaking a window if the only door is in the roof."
This typically comes with 2 elements; one is that the is a 'right' and a 'wrong' outcome to a skill roll, usually involving the player being locked out of content or rewards simply for having bad luck instead of being locked out because of player choice. The other is when several of these dice rolls happen in a short amount of time and failing any one of them leads to the 'wrong' outcome, which drastically stacks the deck against the player. The Zhentarim are particularly annoying to deal with, not just because there are many skill checks in a row, but because failing any of said skill checks have a fair shot of simply killing your party because they blow up the room you're in.
Yeah, but I think there is a seperate discussion to be made regarding combat rolls, and skill checks. For the most part my reply was meant toward combat encounters (that's what I understood Maximuus was refering to).
I do think that skillchecks as they currently are have a much higher chance of being unenjoyable and therefore save-scummed through - personally I had an ok time with it in my playtrhough, but I can also easily imagine alternative universe when it wasn't the case. As such I was always in favour of flat skill checks in cRPGs, and I like Josh Sawyers's preference
of double dice rolls.
I will also agree that loosing rolls in BG3 is ususally not very interesting. Loosing content is never fun. If it results in death in coop, it might not be a problem due to resurrect, but I find that resurrecting my main in singleplayer cheapens the stakes, and disengages me. I think BG1&2 might have had a right idea afterall by making PC death as a game over state. Then again in BG3 no one and everyone is a PC.
Overall, I think you are absolutely correct in everything you have listed .