Personally, while I always save before doing anything risky (like declaring war), I never actually reloaded a save when things went wrong - misclicks or otherwise!
For a variety of reasons: I play at a low difficulty level (Prince), so mistakes can be forgiven. Reloading takes WAAAAY TOO LOOONG (specially near the end of the game)! I think it makes for better role-playing.
So it begs the question "WHY do you save before doing anything risky then?"...
And, truth be told... I dunno!
I guess it works as a safety blanket, makes me more confident in my decisions...
As for the topic - meh, I couldn't care less!
It's a Single Player game, do as you want and have fun!
I remember reading, in SimCity 4's manual, that they suggest saving the game, unleashing the Natural Disasters we want on our city, and then quit without saving and reload!
Sure, Civilization is not SimCity, but it's not like developers are not aware that this can be done - and, hey, if that's what you find fun, the more power to you!
If developers wanted to forbid you to reload, they'd work that in the game: see Paradox's efforts to have Ironman in EUIV and CKII, where they remove the ability to reload, use the console, and edit the save file.