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No, you don't need a microscope, just a few good reloading manuals. You should read the introduction to hand-loading these manuals contain over and over until you have a good grasp on the entire concept. It's not rocket science - well maybe it is to a certain extent - but you must pay attention to detail.
One thing you should really understand is to not trust any data found on the internet until you confirm it in an up-to-date reloading manual.
I'd have to agree the 3rd row is where I would call it quits. By the time the brass starts to flow, you have gone waaaay past safe levels. I don't care what anyone says. Of course now I rarely load smokeless anymore.
I found some .357 Mag brass at the range once where the primers had filled in every nook and cranny of the pocket, had a nice impression of the breech face, and the headstamp was nearly swaged out of exsistance.
Some .270 Winchester brass where the primers look a little flattened and cratered, also there was the telltale ejector button mark from what to me says 700 Remington. Not good news.