I'm never allowed to reload as all my games are HoF submissions.
At the same time, I'm one of those people that says "It is your game, play it how you want."
However, except in the case where you are using it as a learning experience (such as how Acken says earlier in the thread) I am NOT an advocate of reloading, even if it were allowed.
I'm now playing on Immortal level, and the last time I did a non-crash reload was in Civ 3. My play has gradually gotten better and better over the time it took. I get a late start with each game, though. I purchase the game right around launch, play a match or two, and then I just wait for expansions until I've got the final, and then I start doing HoF submissions... there's just never a situation where I thought reloading would help my game. I absolutely DO see the value of trying different strategies in a closed situation, though!
I think you learn more and become a better player if you never reload. It forces you to deal with a bad decision or a mistake you make, and then you learn from it. Sometimes, that bad decision makes you even prouder to win if you are able to fight through it and still win your game!
My second submission of this version to the HoF, I was very tired and trying to finish a SV before bed. I was attempting to rebase a nuclear missile and instead wound up misclicking and nuking my second biggest city. Not only did I not quit and reload, I still wound up winning and submitting it to HOF. Even though it's a horribly stupid mistake, it didn't cost me the game... most mistakes you make aren't going to nuke a 30 pop city, so don't reload!
You may not be "cheating" but you're definitely cheating yourself!
