You can save on every occasion and load if even a little failure occurs, but is it really fun? Is this how the games should be played? I do reload on bigger failures, but overusing the system destroys fun my opinion.
That's up to the player, some like it, others don't.
There's no right or wrong, about playing the way you prefer! Don't let people dictate, enjoy your hobby.
"To hell" with what was intended, by the developers, I say, if I'm incorrectly enjoying the game.
Some nice speedruns were made, thanks to players following unusual paths the protagonist was not intended to use, using glitches, exploits, etc. And they've a great time, it's how they want to experience the game.
Sometimes I do the quick save strategy, when I want to do the Zeta scan in San Fran, and my character is not OP. To avoid Centaurs, Deathclaws, and other minions, from finding me and tearing me to tiny pieces.
It's not a common thing, as I usually already got the car, by the time I decide to do a trip to San Francisco.