One for all and all for one - 2

The tournament rules state:

1. Heroes of Might and Magic III: The Shadow of Death 3.2 (4.0) + HDmod (any stable version with password-protected save files) or by mutual agreement between the players.
The turn time for each map is different and can be changed by mutual agreement.

I have highlighted the key points in bold. HDmod is included in the mandatory version of the game (i.e., it is not optional for the player). Essentially, we have a glitch/bug in the version of the game that is the base for the tournament. In essence, this is a bug because the effect does not match the description. If there is an in-game bug, the player is not at fault. The player has suffered due to a flaw in the game. My opinion is that in this situation, the autosave should be loaded.

If the base version simply stated SoD 3.2 (without the mod), then the rule about additional files and programs would apply:

The player using these programs and files is responsible for all bugs that arise from their use.

P.S. Agree that it would be silly if, when playing without a mod, one player's Castle turned gray, and the other player said, "That's your problem, keep playing without a Castle." That's absurd.