Unfortunately I don't think it's possible, civ4's appeal IS the perfectionism. With so much freedom to micro and fine-tune everything in the game, it's what makes the game special and worth playing. The enjoyment of civ4 comes from chasing perfection. It's why I've always thought civ4 is a horrible game to play casually, you need to be in a really specific mood and mindset to play it.
That said, my most enjoyable games are where something unexpected happens that ruins my perfect game and I have to figure out some way to salvage it. I had a Raging Barbarians game where I lost my first 2 warriors to a 3% and 0.9% barb fight on the same turn
That absolutely warranted a restart/reload but I played on anyway and it ended up being a crazy and really fun game!