I've played through all 3 acts. Obviously in no way have done everything, but I never ran into a situation where your character would get killed for a bad dialogue choice. The "Volo's eye" event referenced is for sure an example of the telegraphed outcome being the opposite of what actually goes down, but I really can't think of another time that happens. Even that choice did not end in death. Some options end in tough fights, and maybe fights above your level, but I was never surprised by them.

Bringing up save scumming is an odd criticism for a CRPG. That has been a long running discussion, but you can choose not to do it if you don't like it. It doesn't mean it is bad game design to include saving whenever you want.