It depends on the situation for me. If the result is the reasonable outcome of my character's actions then I generally incorporate the consequences. If the result is stupid and screams 'video game limitations' then I may well intervene.
Here's a couple perfect examples where I reload:
- My character tries to talk to the innkeeper and I accidently click on the empty mug in front of her - reload.
- My character encounters a pair of Vigilants fighting bandits and helps the Vigilants win. Then, being the nurturing elf she is, she heals one of the wounded Vigilants who instantly attacks her - reload.
I also will often undo (resurrect) killed named NPCs that fall casualty to radiant AI. The reason I generally do so is because Skyrim lacks the ability to repopulate these NPCs. I play very long playthroughs and Skyrim is light enough on NPCs without suffering attrition without births or immigration to help replace them.
While I respect those who do not reload or turn to the command console under such circumstances, were I to fully embrace that attitude, the consequence would be that I would overly restrict my character from many normal activities and risk taking. I'm too attached and cautious with her already without additional stimulus to be more so. Lol.