paranoia, don't worry about it. Just focus on writing it, and i'll quietly whimper if i think your doing it wrong.
In my opinion not necessarily. If it's a really good unit then ya losing them is punishment enough a lot of the time, but if its a more middle of the road unit then losing them but getting a unit of the same quality as they were or would be basically leaves no impact of having lost the unit in the first place especially if you don't care about the character from a story or personality perspective. Granted im probably a bit of a cruel person when it comes to games, but honestly it makes sense as long as you don't make the punishment too harsh in comparison to the value of the unit.
IDK, just prove me wrong i guess, and i'll sit quietly in the corner and sip tea well changing my opinion.