I've never considered the land tiles as valuable for food. I source my food from the sea only. By mid-game, I'm selling food every turn for gold. I have never been in a situation past like Turn 6 or 7 where I've said "boy, I wish I had more food!" So, in the construct of where to build your settlements, losing a food tile is never a factor for me.
The only factors I take in are "can I mine metal?" and "what is the Bouncer effect on my settlement". If I can't mine metal, I better be able to farm 2 or 3 wood and a rare resource, otherwise it's not worth my time. If I can mine metal, then I'll just bump up the health and armor of the settlement to compensate.
In general, I have no issues with settlements sharing resource gathering at 100% capacity each. Resource gathering can be difficult at times, and I think it's almost at a great balance with the gathering rates and costs to build / buy. The worlds are small enough that if you reduce the rate of gathering by any means, you'll significantly cut people's ability to gather. One of the only major imbalances I've seen in the game thusfar is that before mid-game, there's 'haves' and 'have-nots' and those have-nots are pretty much irrelevant. If you reduce their ability to gather, there's really no reason for them to play at all by the time mid-game has arrived - they won't be able to keep up with the 2 people at the top of the pile.
I love this game so far!