As long as I see the "saving post..." hang under my post, I know I'm safe to refresh. But just in case I always copy my post before I refresh.
That appeals to my ultra lazy nature, and it also suggests you think ahead. I've heard that's a good thing.
And to keep this on topic, to answer the original poster... I understand the desire for more choice but I also understand the priorities designers must assign to resources. Modders are free to add, but the designers have to weigh everything and make the best mix possible. We may get more variety in outfits, and sacrifice a cool area, boss fight, or plot point.
I do wish all games came with modding kits, but from what I've read there's an expense for licensing and putting together the kit itself. People can pull off some incredible modding though, I never expected anyone to be able to mod ME3, and yet two years later I can mod in the ending I want for the game.