I tend to reload if I know I'm going into one of those "Point of no return" area's and I haven't finished all of the side quests yet. I'm as suck for side quests that's just how it is. XP
The only time I have refused to reload was with Final Fantasy XII to go after the Zodiac spear. No way in heck was I tossing 160 hours out the door simply because I opened the wrong chest in the beginning and botched my chances for the most powerful item. In the end I didn't even finish the game. But in my opinion, if it isn't a complete waste, that is what save games are for.
The only time I have refused to reload was with Final Fantasy XII to go after the Zodiac spear. No way in heck was I tossing 160 hours out the door simply because I opened the wrong chest in the beginning and botched my chances for the most powerful item. In the end I didn't even finish the game. But in my opinion, if it isn't a complete waste, that is what save games are for.