Is there any point in a human player disbanding units?

[Destraex]

I know u must do this if you cannnot afford them.

But other than that does it really save you money, I find these damaged units usefull as decoys in battle as the AI tends to treat them like full units

[Cheexsta]

As you said - to get rid of the upkeep. If I've got an under-strength unit that costs the same amount as another (slightly lesser) unit's full upkeep, I may as well keep the full unit over the more expensive one. Or, if I don't need an army any more (if I'm at peace with all my neighbours, I may want to keep maybe one standing army), I may as well disband those I don't need.

Other than that, there's no real point, unless you're trying to use house rules, such as no retraining.

[LordSaradain]

I usually disband my fleets (they just cost too much!) but not troops.
If I got too many soldiers I just throw them into a war. That will at the worst give me less income(if they die, same as disbanding anyway...almost) or at the best some new provinces to support my army.

[Destraex]

THe upkeep for a unit goes down as it has less men. So there is hardly any point unless u want nice neat armies

[SomeJedi]

That's an interesting tactic, exploiting the stupidity of the AI! I usually retrain or disband. I use my calvary to feign and draw away groups of enemy units.

[Destraex]

yes I know I'm bad I'm bad you know it you know

I only use that tactic when the enemy outnumbers me 5 to one

But yes it is rather bad form, but it has its disadvantages, like not being able to have a full stack army and not being able to beat the AIs full units