A very excellent article indeed, Yahtzee, and I agree with your points; I don't know how much of a 'save-scummer' I've been (or are), but if I recall correctly, I've only really resorted to it in situations where I'm already close to losing/dying, and I'm at a part that's already kicked my butt in some fashion or another. Still, your point about being careful may be one I need to keep in mind. ;-)
Anyway, the reason for my particular reply was in relation to what was mentioned about training up new soldiers in XCOM, assuming your previous team gets killed... which, as I understand it, is a pretty common concept. Yahtzee mentioned some kind of 'VR training ground', and that reminded me of part of one of my favorite RPGs (and games in general), the first Valkyrie Profile on the PSOne. For anyone unfamiliar, it also has a similar concept of you preparing for/fighting a war (Ragnarok, unsurprisingly), so you're on a time-limit before the endgame starts, and you also have to give up party-members every so often, so you're constantly leveling up new people. However, the game has what's called an 'Experience Orb', which has points added to it as you complete certain objectives in the game's dungeons, and you can then later spend as, well, XP, for your characters as you see fit.
Needless to say, this is quite helpful, especially if you're playing on the Hard difficulty (which is required in order to view the game's best, or perhaps more accurately, 'true' ending), and all newly-recruited characters start at level 1. ;-) From what Yahtzee talked about, something like this would've been perfect for XCOM: either a specific allotment of resources, or just the ability to spend money, on training up your soldiers. That way, you're not completely doomed if your best guys get killed, but you also have to be smart in how you use it, since it's an finite resource. It also lets you decide how you want to use it too; want to dump them all into one unstoppable super-soldier? May be stupid, but hey, it's your choice!