Play Unplugged takes a look at the Townsfolk Bones set from Reaper and gives you their thoughts on the subject.
From the review:
Non-combatants are often an afterthought in miniature gaming. It is easy to see why, when our hobby encompasses so many differing elements, and speaking frankly, civilians are simply less glamorous or in the case of some historical battles, can be downright horrific to include. (Generally speaking, the rule of good taste should guide you.) That said, the inclusion of a few civilians can really add some realism to the appearance of your table, and can even be useful for scenarios and roleplaying situations. The inclusion of tons of science fiction civilians in the crowded hives of our Dark Hersey campaign had made for many a memorable battle.