[Squirrelloid]

Turmoil + Misfortune sounds like a high probability of getting sieged by 100 barbarians or something turn 2, and not being able to do anything the rest of the game because you're stuck in your fort with insufficient forces and can't buy anything. Followed shortly by your lab getting destroyed so you can't do research, and your temple not too long after. Ie, unplayable. I've even seen it happen to the AI in SP games! Mf is risky enough without adding turmoil to it!

Mf3D3 sounds like perpetual plague events. Pretty sure no one can survive very long after 2-3 capital plagues in year 1, and I've seen that happen with scales that weren't quite that bad.