yeah thatīs true. but a save file is not something that loads often so the performance loss is minimum, am i correct?
Remembering that most of your modern games will save your games into the user folder, under "my docs\my games\gamename" or "AppData\Roaming\Gamename" or "AppData\Local\Gamename" or even "Username\Save Games\Game name"
I think off the top of my head, COD4 is one exception to the rule...