Yeah, I pretty much have to savescum for the bugs, although I have savescummed for things that are only quasi-buglike, such as my mayor going outside in the middle of a seige to talk to a representative through the wall to his office when he was already in his office from the beginning. (I mean, seriously?!)
But generally, I don't consider it "savescumming" if it's to avoid something that I think really shouldn't be a part of the game to begin with. If I cause a cavein or have some forester get cut down by goblin ambush, that's something I roll with.
That said, I have occasionally savescummed in the past regarding a new dwarf's birth, just to play around with what traits (and gender) the kiddo would be born with, or other, similar things just to experiment.
When you really get right down to it, savescumming was "scummy" in Roguelikes because Roguelikes were all about chance and having to take risks without knowing their consequences until after you'd committed yourself. The fear of the risks you are taking was a key part of what made the game "fun" and interesting, which gets killed if you can just save, check and see if your food will give you food poisoning or not by just eating it and seeing if you die, then reloading if you did.
DF isn't like that (at least, not fortress mode) since it's more about what you can create using the digging and building designations and the physics system. In DF, survival is all about mitigating risks to the greatest degree you possibly can through foresight.