The only two times I've truly save scummed are

1. I literally restarted the entire game when Dark Urge chopped off Gale's hand on the option "fantasize about chopping the hand off", that's not the sort of gas lighting experience I want, I'll just play the normal custom character first then maybe play that later
2. I approached some goblins by a windmill and combat started with the narrator saying "you were warned to stay away". Nobody said anything about that, so I reloaded my save and stayed away. The goblins let me into their camp even, why would I suspect these ones wouldn't let me talk to them?