This is one of the things I love most about Lusteds CAI. When an AI controlled faction gets reduced down to its last few settlements it goes into a survival mode. In vanilla the AI would still send out its armies to attack somewhere else, leaving its final settlement undefended.. But in this mod you will see a full stack sitting in their waiting for any attacks. Which is great, the AI has far more of a chance beating you when it is defending its own walls with a large army. About how they can afford to have multiple stacks? well there is a debt script as well as the money script, incase the AI should go into the red. Also it is possible that the faction could have a lot of money left over in reserve, but this may dwindle. I could change this, but would you really prefer an AI controlled faction to roll over when it has one settlement left, go bankrupt, and turn rebel?
Dave