Settings > saving > and turning don't overwrite saveram when loading savestate to on

RetroArch save states seem to save a snapshot of the memory card as well? I was looking at a couple reddit posts of people with maybe? similarish problems and I seen a potential fix posted was going to: Every emulator I've used prior to this, when you make a save to the internal memory card the saves are always there regardless of if you save or load a state. Now if I load a save state prior to having made the save to the internal PS1 memory card, all internal saves that were made after that save state was loaded are gone. So I'm playing thru Parasite Eve currently, if I make a save file to the internal memory card, everything behaves as intended. I've been messing around with the Beetle PSX core and ran into a frustrating issue that I don't think I've ever experienced on any stand alone emulator I've tried. So I've always been hesitant to use RetroArch on PC because the UI for navigating the menus, while relatively well designed for phones/other devices kind of stinks on the PC IMO so I'm pretty new to it even though I've been using emulators for over a decade. Figure posting right at the source may give me some answers.

Tried posting this on my usual forums and didn't get much help.