I have extreme OCD (Don't really have OCD, I don't think) about saving. I must have had bad experiences with saving in other games, don't remember, but now I save way too much. Save before talking, save when I see enemies, save randomly every once in a while, save before opening door, save after opening door. I really hate doing things over. So, I'll probably end up with over a thousand different saves by the end of my first playthrough.
I am the same way. Too many experiences getting hooked on a new game for 4 hours, not saving once, then crashing / Game Boy power dying on me and having to completely restart.
Also in fallout 3 once my speech skill was 100 i would save before any speech checks. Speech Skill 100 SHOULD = 100% success, i dont think its right that i miss out / dont complete the quest the way I want because of luck (and by Luck I don't mean the SPECIAL skill, that would be fine)
EDIT: I also make multiple save slots, because one time I was playing a game and it crashed AS I WAS SAVING, resulting in a corrupt file and me having to restart.