Thanks for the compliment, Draclvr!
Jen, somehow, I forgot to answer the bottom part of your post.
The secret to handling the respawning monsters is to play until you reach and activate a waypoint (the things that let you "teleport" to town and back). That way, when you start playing again, you can jump right to that waypoint and skip the parts you already did, which are now full of monsters (and treasure) again. I really hated the respawning at first, too, having played Diablo I first, and I think it was mainly made that way for the multi-player games, but it does have some advantages. For example, you can replay areas to build up experience to get a little tougher before tackling a hard quest, you can keep doing the Forgotten Tower (the Countess) quest to get more runes, and if the monsters that spawned are too hard, you can save and when you restart, it may be a different mix of monsters.
BTW, I had some bad luck. I have been playing a Sorceress, lately, too, named Opal (Glacial Spike/Shiver Armor/Chain Lightning/Fire Wall). I had gone back to town to sell the loot, and left nearly all my charms (4 grand, 2 large, and a small) lying on the ground for what I thought was going to be a minute. But the lights flickered, the game crashed, and when I restarted my Sorceress was in town and the charms were gone!
I considered going back to my last backed up game (I regularly make a copy of my saved game folder after every session and store it on another hard drive, just in case my hard drive crashes), but I had found some really cool unique armor (Darkglow) this session, and decided it was worth more than the charms I lost.