Well, okay, then nothing matters because, opportunity costs or not, you can just reload if you lose the encounter, so you can't fail and your choices and actions are pointless. Games should also have no branching dialogue with branches that can lead you not to reach your goal, because you can just reload.
If you get rid of everything that an obtuse player can circumvent by reloading, you may as well cancel every game in existence.
To me, part of the fun is to make choices and deal with the consequences. Reloading completely invalidates that so I don't really consider it an option.
EDIT: also stop editing your posts it's driving me crazy