I've had the game crash on me a few times. Not a huge ammount of times but it happens occasionaly. Autosave saved my ass. However, Why do you want this mode. If you consider reloading a form of cheating, then dont do it. I personaly never reload, but forcing it on other people is just stupid. If the reason you want this is because of the GOTM, well think about it this way. 100+ people play the GOTM, over 100,000 people bought the game. I pulled that number out of my ... uhhh anyways, so it may be inacurrate.
What you are suggesting is kind of like taking the cheat mode out of Civ2. If you dont like it dont use it. However, Zouave liked to play around and experiment, switch civs, etc. So It would be stupid to force everyone to play one way. If they added it into the game optionaly, there would be no problem. But it is not practical to force everyone to play that same way. And again, if you dont like reloading, dont use it. It makes no difference to your playing of the game if half the people reload. Its a single player game that is independant of other peoples actions in other games.
Your last sentence confuses me, "It would be more realistic" Uhhh is living for thousands of years realistic. We've went over this many many times, so not the threadjack, but the conclusion has always been that this game isn't realistic, Its a strategy game, not a simulation game. Atleast not untill detailed scenarios come out.