1. Voted No Reloading
Even with the best intentions of trying strategies, you cannot help but discover things in your turn. If you then reload this give you an unfair advantage. Besides, it's horribly unrealistic.
2. Voted Huge
The only reason I can see for smaller armies is computer lag in battles, which isn't that big a deal... The huge settings are more realistic too.
3. Abstained
I'm not bothered.