It's been a while since I played, but I think the answer is mostly yes. There are sex scenes, but they're pretty well-telegraphed ahead of time and I don't think you can get into them by accident.
how long from startup to the next save point?
What's a save point, to you? The game allows saving at any point (except maybe during combat?), but this may or may not be a satisfying experience to you. For the most satisfying experience you'd probably want to consider your camp the save point, and that can go a couple of hours between occurences, depending on the quest and how good you are (/the difficulty level).
Is it a lot like Mass Effect?
A very similar narrative style with the focus on your relation to the NPCs. Gameplay is very different. Much more about tactics and less about action. Personally I found that balance really awkward and not enjoyable: I'd rather lean more into the action like a Skyrim (or, indeed, ME) style game, or do tactics properly in a turn-based manner like BG3 or Lord of the Rings: Tactics. But I stuck it out for the story & characters which were great, though I couldn't bring myself to keep going with the big DLC once I lost momentum thanks to finishing the main story, or to pick up either of the sequels.