Agree and Disagree.
Doug Ramsey had no business being on a combat field team. Even though he saved the day on several occasions. Like on Lila Cheney's Dyson Sphere. His partnership with Warlock also gave him limited offensive ablities.
During these missions Doug should have been sitting at a computer station, basically being the New Mutants "Operator." His talent with computer would have made a natural leader of a x-support department.
Yeah, they should have known better but they were kids. This happens with the Teen Titans, Young Avengers, Runaways, New Warriors, Gen-13 and all the teenager groups. It doesn't work without the avoidable teenage fuck-ups.
Hell whenever Xavier got his legs back, he often would try and lead the X-Men in the field. Doug was a kid with a desire to prove himself, combine that with a dangerous situation and it's a recipe for tragedy.
Also the Ani-Mator (or any other villain of the week) could have attacked the mansion and had the same scene play out. From the moment anyone first assciotates with the X-Men they are in danger.
I do agree that Magneto and Xavier should have known better because they both had previous experience leading teenagers. But they were often too wrapped up in the their own affairs to play full attention to the kids. (Another hallmark of the kid group, wise and powerful adult figures but distracted/distant.)