An idea to challenge the save/reload itch
An indy rpg called Frayed Knights had a great system of rewarding players who did not abuse save / reload by having a meter which gradually filled up the longer you played without reloading the game. Like a mana bar, portions of that could be spent on buffs which improved your characters abilities for a time, or healed them up etc. This encouraged people to take on difficult challenges without that save/reload crutch which pretty much every rpg'er / strategy gamer over-relies on.
A way for Fallen Enchantress to reward risk-taking could be a cumulative xp bonus for every turn spent without reloading, up to a maximum of say 20%. That way, if a player suffers a bad defeat there is still an incentive to eat that immobility and any injuries your champions may suffer and continue without automatically hitting that reload button, but the option to do so is still there for those who would rather swallow their pride and avoid the encounter or try it again.
Other incentives could be an increase in rare drop rate, a slight improvement in quest rewards etc. The idea would be for something subtle, rewarding enough to positively reinforce risk-taking / discourage save/reload abuse, but hopefully not too demanding to code for either the game itself or a mod.