on the other hand, it's easy enough to just heal the stack if they do take damage from a counter attack.
Maybe it is, maybe it isn't. That's not the problem. Its a bug and a serious one at that. Especially combined with all the other reloading issues and the current high probability of crashes and thus forced reloads. I has to go soon despite whatever inconvenient workaround may exist out there.
Defending the guys at Stardock is nice (and to some degree they also deserve it). But a bug is a bug is a bug.