It's fine, just gotta play and adjust your style to prevent from that happening.
If supernova is too hard, lower difficulty. Not everyone can play of hardest difficulty.
No, very common for obsidian rpg games to have these types of effects.
Start a new game. Play a different style. Do the story and actions differently.
I'll be doing my 3rd playthrough.
Point of No Return = save, save, save and backup those save just in case.