I think that the time has come to focus on sovereigns/champions.

I think it quite universally recognized that the monsters are the most difficult phase of the game. Once you pass it and are able to defeat big beasts, AI can put little fight. Yes it can create some diffuclt trained units, especially on higher difficulties, when it has access to late game techs by the time I still discover early civilization techs. It can even field them in large numbers, but this still is no match for a properly developed champion.

I feel like wanting to cry seeing level 13th magnar with assassin path on above expert that wander around without armor, horse and wearing virtually no equipment. with attack 18 and defense 6.

My level 10 GOVERNOR is havign attack 23 and defense 13.

We need better AI in that department, and lacking that a development paths.

put yourself in a shoes of average highlevel AI - you got tons of cash, and I mean TONS, like few thousands gildars, they usually have.

is having a horse or warg anybody's doubt?

is having best armor anybody's doubt? at least until you reach medium encumbrance?

is having all possible amulets/rings anybody's doubt? if nothing else weight them by gildars, if something costs more, it is usually worth wearing more than something else.

is having best possible attack value anybody's doubt? I understand when you want to think over having 15 attack + 5 fire against 13 attack + 10 lighting + bash. but there is no discussion with having attack 10 versus attack 20 whatever the modifiers.

is selling anythign below 20 gildars anybody's doubt? like those dozens of leather greaves

I am not telling about trading between champions, min/maxing for the best - that's human department. They get extra gildars to buy everything. For each and every of their champions?

Frogboy, can you give us quick, dirty, solution to that? Please?

http://db.tt/VvmjYqkn