2) When playing a full game. If the opponent is new, you discuss every single option. It gets really annoying.

There are standard settings – the rules for Role-Playing and the rules for the Cup. They are available as descriptions and files. When I don't feel like negotiating every single option, I just say – we'll play according to the Role-Playing rules. If the opponent doesn't understand something, that's their problem.

Added 5 minutes later

And there's no upgrade stack in the Cons, Gnomes, Nagas, etc.!!!
That's why I was wondering, what's up with the Cons breaking so easily on the second week without an upgrade stack!!!!

Malchäg, are you talking to me or to the voices in your head?

Apparently, the latter, because the option to disable the upgrade stack only applies to neutral creatures on the map and does not apply to resource locations (you can check them without a fight).

The reason is to avoid situations like "attacked a group of giants (breaks on the 2nd week by any Castle), and half of them are Titans." Reducing the role of uncontrolled randomness.