I think you and I have similar MM tolerance levels. I tend to use scientists early; a mixture in the early and early-mid game; and taxmen in the later game -- although the scientists give 3 beakers instead of 2 gold, excess beakers are wasted while excess gold is always available, and once the tech prices become high enough (and one's research effective enough) it's not terribly unlikely for a good chunk of the scientists' efforts to be wasted whereas the taxmen will usefully be stealing the last gold from widows and orphans.
True, the beakers are sometimes wasted. Once 4-turn techs are no sweat, taxmen are probably preferable. Fire and forget.
Using scientists, I was able to complete a tech with 0% research spending on the final turn. This was during a war, when I was starving down 5 or 6 large cities using all scientists. That was cool.
I still have most of the specialists in that game set to scientists, but having recently gotten replaceable parts, about half of those in the distant corrupt north have been changed to civil engineers to assist with cathedrals and then hospitals.
-Arrian
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