Yeah, your last 3 examples are the ones I usually reload for and don't feel bad about. I try to avoid save scumming just to redo rolls, but in particular, some dialogue choices are really poorly explained. I don't feel guilty reloading for those because I don't think they would happen with a human DM, where I get to actually word what I say and can get clarification if needed.

There was one battle against a blatant evil character where they tried to negotiate when they were close to death. The dialogue choices were confusing and I accidentally somehow chose an option that would have let them go. I ended up reloading and doing the whole battle again just so I could kill them, as intended.