I wouldn't call it being a save game "coward", it's just that you want your game experience to go a certain way. You want to be able to sneak up on the guy rather than run and gun, you don't feel like walking around with broken limbs in Minefield (FO3).
Though some games this isn't really prudent. I'm playing Just Cause 2, you know . . . just caus' and the save games basically just save your money and chaos, what missions you've completed and what you've blown up. The save game take a good five seconds to save, and when you load it you're not where you were at when you saved, but at the closest base. Compare that to a Bethesda game where you can save nearly instantly the entire game state.
Though some games this isn't really prudent. I'm playing Just Cause 2, you know . . . just caus' and the save games basically just save your money and chaos, what missions you've completed and what you've blown up. The save game take a good five seconds to save, and when you load it you're not where you were at when you saved, but at the closest base. Compare that to a Bethesda game where you can save nearly instantly the entire game state.