I agree with everything you've said, my only complaints are, and they are minor, is I wish the fast travel was a bit faster and making potions can be time consuming. Haven't quite gotten to the perk where I can make them instantly. The bathing isn't bad if you do the full service and get that extra manly perk! LOL! And compared to the prices of everything else, it's a real bargain!!
The bathhouse ‘full service’ always saves the game afterward and it’s my trick for saving. Only costs about 36 coins if you bargain with them. I haven’t tried making potions or any herbalism yet. I’ve been busy poaching to make money. And for that I’d recommend the saddle with three saddle bags. You can carry loads of bounty with them.