Ambition is great and accepting limitations is fine too. The issue is really that exploring BG3 is so dependent on saving/loading. Whenever you encounter another bunch of content you save and you test. If your character starts to do stupid shit that you can't anticipate, when you hit the wall because an option that you were certain should be there is missing, or when a script just doesn't trigger, you load. Eventually you find a satisfactory path and you proceed to the next bunch of content, where you save, test, rinse repeat. Don't know about others, but to me this does not feel like adventuring. It feels like maintenance. You can't really play organically, or rather you can, but then you do only the most obvious thing, which in most cases just attack. And miss out on most of the content.
That wasn't my experience of the game, I only really remember having to reload due to dead-ending myself once (can't remember the context, somewhere in Act 2 iirc). Otherwise I only ever occasionally reloaded because I was dissatisfied with the outcome of a plan -
which was often my own fault - and not because the game was actually forcing me to reload through some glitch or irreversible sequence break. Other than the Act 2 softlock the worst I ever came up against was a couple of quests where they didn't anticipate you moving ahead in a certain way, like the aforementioned Ethel quest.
I also tried to limit reloading as much as possible because it's always more interesting to try and deal with the aftermath of a failed plan (which, again, I think BG3 does better than any other cRPG I can think of). Having the team accidentally split up, having party members trapped or arrested, having people stranded without the spells to get back, stuff like that is all part of the fun. You don't have to reload until you find the most "satisfactory path", you can/should keep playing when things go badly wrong for the party.
If your character starts to do stupid shit that you can't anticipate
When did this happen to you? Other than trying to take the party up ladders, which the game seems to completely shit itself on every time.