I had a crash this morning on the PS4, said the application has had an error and closed it. I'm really lucky I had just decided to bank my exp and save, I would have lost a good hour plus of exploring the area before the second boss.
That brings me to a point of the risk vs reward exp / loot system. So far it's just risk vs a game crash, not a risk vs the actual game. There is no way I'm not saving from now own as often as possible.
You don't actually lose your multiplier for saving, only if you bank the XP.