I think my first runs actually tend to be more "perfect" than my subsequent runs, even though I don't reload decisions. In those runs I'm trying to "win", and I'm familiar enough with how Bioware tend to write things to do it. It's my subsequent playthroughs when I'm coming at things from more of a perspective of trying to tell a good story - and where I'm trying out choices I skipped - that bad things start happening to break up the protagonists inherent mary-sueness.
My 2nd Shepard in particular had a pretty horrible time of it.
I don't believe any of you will do this unless you set difficulty to easy peasy.
Most people aren't talking about not reloading if you die in combat, just not reloading for story outcomes.