But... wouldn't you need an army strong enough to destroy the city in order to siege them? And then, why not just capture the city?
No. They have bonuses to there stats while in the city. If they sallyied forth from the city and attacked me I would decimate them. 20-30% bonus to HP's and defense is significant in mid/late game.
It's probably easier to notice the reverse being true. If an enemy attacks your city you totally crush the attacking force, if you went after them you get annihilated.
With frog's improvements to the AI I find myself facing armies equipped with lord hammers and medium armor. The battles are very close. My army might normally have a slight advantage in a fair fight. The garrison and terrain bonuses (IE Kingdom fighting on Empire desecrated lands) make it suicide. But I can seige them and they can't break the siege without coming out and loosing their bonuses.
I'm was mostly just wondering how bad the seige actually hurts them. IMO not enough. I think it should disable healing bonuses from being garrisoned. Then I could attack in waves and my damage would stick for a longer period of time.
Side note: That revive land spell is awesome but can only be cast in your zone of control. Its usful for taking out armys sitting on the border. cast it next to them in your ZOC and then attack they lose their +10% bonus turns into a -10% penalty to attack and defese, your inverts as well. Thats a huge swing.