When you do save your game and quick save every few minutes your not afraid to die and when your not afraid to die your not afraid of the creatures in the wilds.
Seriously try encountering a minotaur when you are lvl4 using MMM and OOO and you have enough loot to get you couple 100 silver. Its the feeling you have at that point which is interesting as well as awesome. The part where you actually run away for your dear life and your begging to see an Imperial guard patrol near by just so that you can save your dear life sell the loot you have and not die and loose all of them.. I figured out of you wanna role play you gotta be afraid of death and since this is a game this is a nice way to replace your fear of death with fear of loosing your loot.
Its exactly at that point in time you realize how useful these Inn's are which are scatted Across Cyrodil . though i warn you dying when your playing such a game can be a disappointment .
Thats why its entirely necessary that your game should be stable and not have any CTD's