I have quit many, many times. I rather enjoy quitting. Has nothing to do with trying to avoid a loss on my record - in fact I didn't know that quitting would avoid a loss on one's record. Let me state this as clearly as I can: I could really give a crap about my win/loss record.
I quit when there is some ridiculous exploit, some ridiculous OP-ness, or some ridiculous unfairness that I see being utilized. I have many examples, but to recount a recent one, I started a game. I had rook. I quickly bought the 2 armors I could buy, selected hammer slam, and ran out to capture a flag. I met an opposing rook at the flag. Now, understand that this is 10 seconds into the game. I moused over and checked his hit points - they were identical to mine. We fought. I got in more hammer slams than him, and even got the first hit on him. I not only got killed, but he had like half his hit points remaining. I reincarnated, ran out to him again, fought him again. I again got in more blows, more hammer slams. I again died with him having half his hit points remaining. So I moused over to the quit button, clicked it, and made sure he had to play a bot for the rest of the game. Let me reiterate before I hear a bunch of assholes telling me this or that - OUR FIRST FIGHT WAS WITHIN 15 SECONDS OF THE GAME STARTING. OUR SECOND FIGHT WAS WITHIN 45 SECONDS OF THE GAME STARTING.
I quit when I see BS like this. I don't quit, no matter how bad I'm getting slaughtered, if I don't see BS like this. I highly recommend and encourage all players, especially newer ones, to quit when they encounter BS like this. Make the guys play bots for the rest of the game, and start a newer, better game elsewhere.