If magic resistance applies against an incoming spell, then a roll against your MR happens first. If this roll fails, then you get a saving throw. If the roll succeeds, you would normally not need a saving throw; unfortunately, since the computer is not that sophisticated it checks the saving throw anyway. Some spells ignore MR and have no saving throw (Secret Word), others check MR but have no saving throw (Maze), while most check MR and have a saving throw. I don't think any spells ignore MR but have a saving throw.
Anyway, there is no "pattern", MR and saving throws depend only upon the spells being cast in your general direction.
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