And of course, if there was a save at the end of the turn, I'll load the save, and if I have time left in my turn – before I pass it – I'll play as I please. I can even fire all 8 heroes and rebuild in all the cities – I haven't passed the turn yet, and I still have time on the timer. So.

If you load a save made at the end of the turn manually (not an autosave), play and remember to account for your own time (not the bonus 10 minutes that HD gives). But I guess you'll probably ask to load the save again? In general, if you told your opponent that you saved at the end of the turn, but then continued to play, that's not fair play, to put it mildly. And if you passed the turn, and then a save was loaded that was saved after the turn was passed, then I'm sorry – the turn is done. I thought this should be obvious to everyone, but it turns out it isn't...