Reloading will cause you to lose data input into webpages, or your position on a webpage. That in itself is enough to be a huge problem, plus it needlessly uses up your cellular data plan.
Some of us were experiencing the limitations of insufficient RAM way back with the iPhone 5, and we predicted that it would become more of a mainstream problem with the iPhone 6.
The tab and app reloading issue is indeed more of a problem with the iPhone 6 and 6+ than it was with the iPhone 5. This was inevitable and obvious to all and sundry, but the Apple beancounters didn't care a jot.
Again, I don't use my phone on the same way as you and I have absolutely no issues. I do however have issues on the iPad 2 I have.