I think that they should make it that you can't save during a battle because if you are about to die and you accidently save instead of loading you will stuff your game.
Good idea! Plus, once I made a new tech character, and he ran away when I didnt tell him to and ended out in the middle of Tarant's river! He couldnt get out, so I tried to load and accidently saved! They should have an anti-bug feature that keeps you from saving if something is messed up.
Another idea, might be to just change the buttons for saving and loading to f1-4 and f9-12, that should reduce the chance of screwing up.