I, too, saved before each choice, and I can confirm that you are able to then play through the mission and choose the other option to make the achievement pop.
After you complete the game, unfortunately, you cannot replay all of the missions. There's no Theater or Newspaper option in Saints Row: The Third, like there was in the first two games, unfortunately.
The last mission you have a choice is the mission Three Way, where you
need to choose whether to save Shaundi or kill Killbane.
Whichever option you decide to do, you'll get a notification at the end of the mission that you've finished the game, and you can replay the final mission to see the outcome of the other choice (in fact, you can only go see the other outcome; you can't replay the option you chose first). However, this is the only time ingame where you'll be able to replay the same mission.
If you accidentally save over your saves before the other missions, your only option is to replay through the storyline. Remember though, there's still the "Gender Equality" achievement, which requires you to Play for at least 2 hours as a male character AND 2 hours as a female character. What you can do is play through the game again on the opposite gender from your first playthrough to get the achievement for this. If you just go straight through the storyline, it shouldn't take you very long.
I did some testing, and I think the time it takes to earn another round of cash from your owned buildings is right around 15 minutes. Unused time doesn't seem to carry over between restarts of the game, so if you play for 5 minutes, shut it down, and load the game later, you'll still have to wait a full 15 minutes for more money.
There's only two things that stop it:
- Hitting the "Transfer Limit" which increases as you gain city income. This is a multiple of your money-per-unit-time value, and it's just there to keep you from leaving the game on overnight to make mad cash.
- Pausing/quitting the game. If the game isn't running, you don't gain money.
If you thought you got "paid" twice in quick succession, it's possible that you had money laying around from a previous bank transfer that you hadn't picked up yet. There's no "push" notification that money's available, so you might have taken money out twice 5 minutes apart, even though it was really 15 minutes of clock time between times you actually got paid.
"Game time" is a bit weird. I don't know if my sample running time was too small, or if the game rapidly transitions between times of day at certain points, but I took a save just after the climax of Act 1 and let it run for about 40 minutes, and the sun stayed in the same spot. A 15 minute test of my cleared save yielded similar results. However, I'm certain that eventually, time passes and there's a day/night cycle. It's possible that, as others have speculated, it doesn't pass until late in the game, but I feel like I've seen this happen earlier in the game as well.
Best Answer
"Respect" is the correct term here. Respect has only one use in Saints Row 3, and that's to level up and unlock new upgrades. Generally then you buy the upgrades themselves with cash.
The highest Respect level is 50, and you can earn Respect in a million different ways - any time you see a little circle in the upper left with points counting upwards, you're earning Respect.
If you're Respect level 50, you get nothing from further Respect. Chances are by the time you finished the game you hit the cap, but you can still gain more easily through playing side missions or, really, doing whatever.
Specific choices have different outcomes when it comes to Respect or cash bonuses. For instance, at the end of act 1, your choice gives you 10% increase to either cash or Respect earned from that point onward.
Thus, the difference in the choices amounts to "not much" - if you picked Respect instead of cash, you'd hit the level cap faster, and earn cash a little slower.