Back to the main question then it is important? Save scumming in the fast paced fights is not very practical, yes you can save in the breaks between the fights but better be careful, not only can it be enemies ready to jump you then you save but you can also easy save in an strategic chess-mate setting like I was in during dead money recently, i was very close to run out of ammo then I had to go back and too the casino after opening it.
And mostly why bother? few of the fights is so hard that you die a lot.
Yes you can do minor exploits while hacking. Giving you the try again perk for free. So game breaking
I have more issues with artifact level stuff like boobleheads, and unique OP weapons at fixed locations.
Most people get the location on internet, guides also tell about enemies and traps. Enemy level is not as important as you are willing to spend resources like stimpacks or mines as water to get the real OP stuff.
People killed Umbra at level 5 in Oblivion.
Even if you don't use guides its easy to gather too much information just browsing forums any you anyway remember the locations at your next playtrough. Making the start of the game an predictable game of geocache in hostile areas. Yes getting the republic of Dave for the hunting rifle was an pain.