You're wrong GR. On nr. 3, if you loose net connection the game freezes and waits. If you quit, you can only load the last save, wherever it may have been. We don't know yet if we can then save offline and upload the save to the server.
But the big deal for me is that right now I spend 3-4 days a week away from home. I travel a lot on trains that have electrical sockets, but no net. I can play SH3 just fine on my laptop but I won't be able to play SH5. Sure I could play it at home if I weren't too busy "giving flowers" to my girlfriend. Oh well, SH3 it is then...