In that case, for some reason the Megapack has it set on by default, whereas if you go Full + hotfix + civpack, it isn't. Right, that was a lot of time wasted fiddling around with that. I wish someone had answered that one several nights ago -__-
As for the black terrain/loading times, from reinstalling several billion times, I can say this:
1. Unpacking the fpks is totally superfluous
2. Deleting civs seems to make it go away. If I have all 60-odd in the folder, the terrain is black, if I delete a pile of them, the terrain is normal
3. So, the black terrain is caused by a civ or civs?
The weird thing is, it seems to not be one specific civ that's the problem. Say I delete the bottom 9 alphabetically: I still have black terrain. But If I delete the next one, the terrain is fixed. But it doesn't seem to be that specific civ. If I restore the others, the black terrain is back. If I restore only that 10th civ, and delete another in its place, the terrain is fixed. But 10 isn't a magic number, because I could start again somewhere else and delete 8 civs out from the top alphabetically. 7 = black terrain, 8 = normal. It's ridiculous and I've spent way too much time tonight endlessly reloading Civ4.