When I started playing Cataclysm I reloaded constantly. I found that everywhere that wasn’t the evac shelter was wildly dangerous and the number of zombies were overwhelming.
Then I scaled back zombie spawns, health, and speed as I learned. Didn’t need to reload as much after that. Slowly worked my way back up to normal settings.
Now I never reload, on principle. I’m a decent player, now, and I enjoy the early game more than the late game anyway so death or lost install or bad mutation just makes the game more fun.