So now I have solved it perfectly for me.
1. Games in whd load format, i.e. hard disk images:
Advantage: Fast loading times, only one file
Disadvantage: Saving is currently not possible. not with winuae and also not with fs-uae
2. Games in Disk Format (ADF)
Advantage: Saving as a save state and loading possible.
Disadvantage: slightly longer loading times. (you can increase it e.g. in winuae) and floppy disk change
This can be solved with Disk Swapper.
Conclusion:
Games that I don't necessarily have to save or want to save will be taken as WHDload hd images and if I consider that I have to save then I'll use the disk format (ADF)
I have implemented a symbol (disc symbol) in my layout for amiga for games that I can save, so when I choose a game I am shown what can or cannot be saved.
greeting