I'd not have "reloaded 10 times for a decent start". In my opinion, if you find yourself doing this often, it means you need a lower difficulty level.
Here you assume that people reload because it's required for the win. It may or may not be.
Yes, to me, losing to a mistake, regardless of time investiture, is a priority to "winning" and certainly a priority to "winning within parameters such as a turn limit".
Why do you think people play games? Do you think it's always to optimize the strategies required to win in Civ5? If so, every couple of turns, we should perform hours of math to try to determine the best action. It feels to me that you seem to approach this game with such an attitude.
But for others, I would argue that, this is simply a game. It's to have fun. Most don't associate "honor" with single player games. You are not in a relationship.
Yes in school people are taught not to cheat. And we learn the same in books and movies. But this is not the time to apply that. Even if reloading is cheating, you are not harming anyone. You are using a game feature to acquire utilities. Let us allow an open mind.