Good list of choices, and yea ... when a game saves constantly after every choice / action you make, it deepens the impact. I mean whenever I fail in a game like Skyrim / Fallout 4, I just reload my save. However in Darkest Dungeon if I do something regrettable, I must live with my choices and power through the other downsides. So your reasons were spot on mate.
No... Sorry, I don't like that at all. I think a good compromise was Far Cry 2's system on the consoles. You can load whenever you want but if you want to save, you have to be at specific save locations. And if your save is loaded for any reason... You'll be booted all the way back to the last save time and location.
Honestly, I really don't know what's so great at all about Darkest Dungeon. It looks really grindy with almost nothing about it that looks unique or sets it apart.