A discussion this heated, on a topic of this sort, without me in it? We have to fix that!
Have not had warlords until this Christmas, so had not wandered into these threads. When I get some time to learn it, you will have to put up with me here too.
But first, some levity. Based on his post 36, AlanH must think he is watching Seinfeld when he reads this thread: wasn't that the show about nothing ... ?

Usually, when he opines that a post is about inconsequentia, he is talking to me!

Now I don't feel so alone.
Now for the serious discussion
To get smashed, and then go-back and submit a save from an earlier point in the game where you were doing OK is, IMHO, outside the rules of the competition.
No doubt about it, this is precisely a reload: going back to an earlier time in the game, and replaying to change and improve the result. In this case, the replay is the retirement. I am surprised that the mods did not jump on that idea more strongly.
slowrider hit the nail on the head with the different types of incomplete games: the ran out of time when viable (or even hugely winning), and the retired in the face of doom. How can we appropriately reduce the score of the retired in the face of doom (face it, in that case the score is a sham - the game was misplayed if you are that desperate, regardless of the untenable score that you have at the retirement) without unfairly penalizing those who played well but ran out of time? The reality may be that we cannot do both.
As far as the relative placing in the results of the single game, the problem is comparing apples to oranges. Making it half an apple makes the comparison more sensible? Maybe not. The reason that we don't accept reloads is that they are not comparable to first played games. So for the same reason, comparing retired games to completed games doesn't make sense if the retirement was in the face of doom.
But if we made one table for completed games and a separate table of the incomplete games when posting results, that might solve the within game issue.
Global rankings is a tougher issue. How to give some credit to the incomplete when winning due to time, but not too much credit to the retired in the face of doom? And the rather separate issue (from the competetion issue), the desire to incentivize completing the game in any case. The best (and by no means perfect) solution may be that the points for the retirement are not more than the points for a conquest loss, which is the tech points only method if I understand it right. Yes, it is really not fair to the ran out of time winning group, but it does address the other two issues. It seems that any other approach to be more fair to the out of time winners is too good to the retired disasters and incentivizes retirement.
No win-win on this one, sad to say.
dV