Mulligans - love ‘em or hate ‘em?

We’ve all been there, right?  You kick German butt with Russia on the western front and wrap-up your turn with a smug smile on your face (“Take THAT Nazi scum!”)… only to notice as Japan is deciding on their purchases that you forgot to make a non-combat move on your Japanese front.  You intended to do it.  You’d planned on doing it, but you got so wrapped-up in your gloating over Germany that it slipped your mind.

“Uh, hey Bob?”
“Yeah?”
“I forgot to move these 3 infantry over here in my non-combat phase.  I fully intended to do it, I just forgot.  Do you mind if I move them?  I mean, you haven’t really started your turn yet.”

Pretty innocent scenario with what most of us would consider an easy answer - “Sure, go ahead.”  But what if the move was more crucial?  What if it prevented you from taking a new territory?  What if it wasn’t a non-combat move?  At what point does the answer become NOT so easy?

I play 99% of my games 1-on-1 against my best friend.  We’re pretty lenient with each other.  So lenient that we allow each other to walk-back disastrous attacks that were announced without noticing overwhelming enemy odds or with ignorance of some obscure rule that would result in an overwhelming loss.  More than once, we’ve both uttered the phrase “Well I wouldn’t have done THIS if I’d known/seen THAT.  C’MON!”

I get that in tournament games or online games against strangers, you have to have a hard and fast no-mulligans rule to avoid anarchy.  But how do you handle it when it’s just you and your close friends?  Do you tense up with excitement as you see your opponent about to make a costly oversight, smugly pointing it out to him after it’s too late?  Or are you forgiving and lenient?

I’m the latter.  Not that I’m above some smug gloating - ask my buddy.  I guess I just want to win because I’m the superior strategist, not because my opponent is ignorant of the rules or made a simple oversight.  How about you?