Thanks for all the help, especially jeremiah, that's more effort than I expected anyone to put in.
Whatdya think? Again, Warlords, using BetterAI. Worker and citizens/specialists are automated.
I'm surprised nobody commented on this.
I recommend you NEVER automate workers and AVOID automating specialists. (Even the smartest AIs are still pretty ignorant compared to us human folk.)
I usually want hella Scientists when the AI thinks I should be running Engineers.
And depending on what my city's building and how close I am to teching into another building opportunity, I'll often sacrifice hammers to grow my city or my cottages faster.
"Micromanaging" takes longer when you first start doing it, but after a few games, it becomes second nature and blends right into your game.
The computer seems to be the worst when it comes to Worker automation, though.
My biggest example is building cottages on plains. In the early game, having that hammer is nice while you're working your cottage, but what about the end game?
Assuming a Golden Age and all the goodies like Printing Press, Universal Suffrage, Free Speech, Irrigation, etc., if you decide to Farm one and Cottage the other, your late-game Golden Age might look like this:
Farmed Grassland = 5 food, 2 commerce
Town Plains = 1 food , 3 hammers, 9 commerce
Total = 6

, 3

, 11
Town Grassland = 3 food , 2 hammers, 9 commerce
Farmed Plains = 3 food , 2 hammers, 2 commerce
Total = 6

, 4

, 11
During a Golden Age, that extra

goes a long way.
This is a gross exageration (especially since it assumes so many things), but I find in most situations, building a Town on a Grassland seems the smarter choice if I have to choose between an equally rich Plains tile.
Long story short, your play style and early-game:late-game preference may not be that of the AI. Before automating your workers, make sure they're orders jive with your goal.
BTW, if I automate, it's usually 2 workers to make a trade network -- ensuring newly discovered or cultured-in resources are connected as quickly as possible in the event I overlook them.
I recommend playing from your original "problem spot," and try the following:
Ditto this. Even if you lose the game, you'll learn heaps about how to maintain a thriving economy by nursing a sick one back to health.
Some of my most rewarding games have been the ones I wanted to just <Alt><F4> out of. Sticking with a game and looking at it from every angle is usually the best recipe for learning.
Hope that was helpful.