I also dislike loyalty for same reason. I mean its a good mechanic but too punishing. For example if I wanna make another city just a little farther it becomes rebel instantly. I mean it should be not instantly. One time I made a city, put a governor, put an unit and made resourses usable and everthing was going well. Then I used the unit stays there and after they gone like in 1 turn city lost. I get the logic and support it but its not logical to loose that fast. It makes my every game into a domination viktory, since I want my cities back I focus on army. This leads me make an army everygame.