Speaking a personal opinion here, of course, I agree that we could use some standards on when a reload is allowed (but I don't have a problem with the admins either). It's not the simplest place to start but I would think the major requirement has to be "substantial impact on the game." In the early turns I'm ok with reloads for some simple mistakes because an accident with a worker/settler can greatly impact things down the line - later on, you'd be hard pressed to find favor with me no matter what you did. Anything related to diplomacy I also think should be let stand, barring serious technical malfunction - you make a bad deal or something and it's entirely your (and whatever other team's) problem. I certainly agree that in warfare virtually no reloads should be permitted, especially on the "misclick" basis at least.
On that note, there is another VERY important thing that I don't think anyone has suggested in the previous discussion of game options. STACK ATTACK should absolutely be TURNED OFF. Again, I don't know who might use this option, but I hear about it commonly enough with inexperienced players or simultaneous MP that it could also happen to any team, when we get to a later point in the game.