There's a subtle nuance with the Overlord Health (OH) when loading a save.

We started the game with OH 116. The opponent is the host.
Then (due to today's lobby crash, which, however, is irrelevant), I load my (blue) auto-save from the end of turn 116. But I have OH set to 117 in my settings, and the game takes the OH information not from the save, but from my settings. And it glitches (or maybe it doesn't glitch, but just lets us play with OH 117? I didn't bother to figure it out; either way, after loading, I passed the turn to the opponent, but instead of his turn, I got the start of my turn 117 and immediately exited).
When I set it to 116 in the settings, it loaded normally.