I've been using Windows for 30 years and haven't encountered either issue you've described.
Or if you had enough space, still waste minutes copying the deleting the file...
that 'save to temp-dir first and copy later' behavior is so frustrating because it's inconsistently applied and not easily avoided, yet somewhat incomprehensible to the average user.
Those days ended in 2007. I don't know if that issue persisted after XP because I've never experienced it.