Well, I like to play games to have a good time. I'm sure a lot of people don't like being punished by a develop for svcking at their game. However, I agree that their should be some correlation between difficulty settings and "penalties".
I also like playing games to have a good time, who doesn't? I am having a good time if I am challenged and in the case of a game like this, you should be on the edge of your seat wondering what is through the next door. As it is, it allows you to save before opening the door, open it, storm in have a good look at whats in the room, pause, hit load game and you'll know exactly what is there. Having a rewind button isn't a good time, as I have said I think 4 times now, it should absolutely be in the easy difficulty for the reasons you mentioned.