How would you disable settlers?

settlers does not have a cost line
like every other unit

Yes, it does. Every unit has entries in every table line; it's just that if you don't set them explicitly, the game will use the default for that variable, which in the case of Cost is 0. (Settler costs are then increased based on the population and free buildings of the resulting city, which'll depend on which era you start the game in. The ratios for that are set in GlobalDefines.) In the table declaration at the top, you'll see a lot of default="0" words; that's the default for each variable. Any variables that don't have a default specified (like Type) MUST be included in every entry, with the sole exception of ID (which has an auto-incrementing function instead).

So a simple update will still work, because as far as the database is concerned, there's a <Cost>0</Cost> line for the Settler.
 
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