My guess would you to inspire yourself about how we used to manage things on Luukland's. Yes it wasn't perfect but we found a way to have both an enjoyable and manageable environment to play.
1) inside claimed town, no rules apply: since rules are there to prevent players from getting advantages over others (station spread), or prevent other players of enjoying their game, there is a fairly small advantage gain by using spreading. Blocking other player into claimed town ?? well that other player shouldn't be there so ...
Station spread is useful to avoid having huge stations into the city center, slowing down its growth. It has small impact on smaller town goal (< 10k population) but when we'll reach 20-30-60k .. it will have a huge impact. (You may have to reduce the station spread setting to the maximum train length value since there is no point having station bigger than trains)
2) no usused roads... espescially around .:city:. so that competition can get into the pax/mail/valuable markets. Some players tend to build 1 train station then have a few buses transfering into it and build big road grid around the town, hence preventing anybody to get there with trains (bus + transfer which is time consuming and inneficient)
3) no competition with yourself (rating push and friends cheats), for obvious reasons, that should actually be added into your rule list.
4) loading under sign: well that's if station spread is allowed on the server ... only to prevent station name spread abuses (economic cheat).
Also, lowering the loan to 400-500k so games starts get harder

... and activate Fund new buildings in cities
To some extend, I guess the goal won't keep to 6k which is quite low, concidering we used to grow 20-30k towns solo in 3 hours in sub-tropical. To give more flexibility in the town's layout management up to the optimal structure that got developed over the years on LL and now Novapolis (and maybe attract more of those players here,).
</grain of salt>