I think that reloading and the 'game over' screen is the bane of gaming, it's a feature that I think really needs to be addressed by developers to bring believability and continuity to games. Some devs have attempted to do this to varying success. For example, I cant understate how amazing I thought it was the first time I 'died' in Far Cry 3, I thought I was about to be presented with a 'game over' screen - but my buddy showed up, looked down at me and dragged me away from the fighting. Strategy games where the player isnt one specific avatar use ironman mode which I also enjoy.
I understand that in X4 we have the teleporter, and this is a good solution to the problem, but I dont think it should be the only solution because it raises 2 issues.
1. Believability of npc's and their own self interest.
2. What do we do before we have the teleporter researched? Or if we are outside it's range?
I really think that the obvious solutions are ejection, escape pods and rescue.
So my suggestions:-
1. Please add the ability to bail from ships, this can be done just like in x3. Press a button and you are outside your ship. By adding some blur and a sound it can be made believable without needing to add ejection animation etc etc (or even use short range teleport, more on that further down).
2. Please add escape pods to capital ships. Our npc's, especially as they might (should) be able to improve their abilities shouldnt just be seen a a disposable resource. Allowing them to escape from a doomed ships will give them for believability, and make them seem more precious, as they should be - they are living beings.
3. Add the ability to request rescue from nearby friendly npc ships, or automatic 'emergency services' (literally ambulances). They fly to your position and zap you inside. In order for this to make sense without adding a lot of work for artists to animate things, I think that short range teleportation tech should be commonplace technology (as it was in other games) and leave the long range teleportation to the player research.
4. Allow the player to have dedicated search and rescue ships that you can 'program' to automatically sweep battlefields and pick up deserted crew.
5. Make destroying escape pods and stranded characters illegal throughout the universe. This will prevent the reload screen further, and give us the maximum possibility to save stranded crew. Obviously, especially nasty enemies wont adere to this law (pirates/xenon/khaak and probably Split

6. Stranded crew/player should have a limited timeframe to be rescued (oxygen reserves) to prevent the universe being clogged up with stranded npc's.
These things combined will add both believability and gameplay to the game, and give the player alternatives to the dreaded reload screen before and after they develop teleportation tech, and after they have researched it they will still allow for the rescue of crew. It will also be pretty amazing to eject from your ship and see a huge battle taking place, only to be saved by a friendly npc ship.