i agree with TMIT, but i play on the HOF mod only (unless ffh or rfc mod) because i don't have the option to do anything like reloading or world builder. i find myself abandoning many games that my mistakes made unwinnable, but if unwinnable then i was losing, so i lose.
i have never submitted a game, and i don't plan to until i can get more than 60% win rate on monarch. noble isn't even a challenge but on monarch i tend to get shafted a lot. as TMIT said, i am getting sick of events, but i leave them on for flavor - besides, it helps the stupid AI. im more sick of huts. in a recent poll i made, most players don't feel huts are game-breakers.
then again for augusts to finish bronze working and pop iron working from a hut, or for portugal to pop astronomy from a hut can be a game breaker. they don't give me the favors they give the AI so why have them on. i have gotten better from HOF, and i recomend everyone who uses WB or reloads to play HOF with the goal of getting good enough to submit games.
Now, i go back to my older games and realize how i can win, but it is too late because it would be a "reload".