I assume the reason they won't let you save scum is because they have consumable microtransactions.
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The author apparently doesn't know that BG3 (and a lot of other games) has an honour mode that doesn't allow save scumming, so people can choose to play the exact same way if they want to.
Yeah for these things I think having an option is best. I personally don't play this way but I can see the appeal. I don't really see the harm in letting people play how they want to play
Larian doesn't lock your save files to an online server. You can jump into appdata and save scum manually even in honour mode.
Problem is that Dragon’s dogma 2’a save system is pretty unpredictable. It’s autosave can be too aggressive where when you load a last save you might not be able to get out of a bad situation and Last Inn save might be from hours past so you can lose hours of progress, which can severely hamper the exploration. I feel like Inn save must instead be a Camp save, which would have been best of the both worlds.
For me the problem is that it just feels like a poor imitation of the way it’s done in Dark Souls / Bloodborne / Elden Ring.