You're right as technically Shogun 2 (Sengoku period, ROTS and FOTS are technically civil wars).Let's say end game events (ROTS didn't have one right ?). The good thing about MTW is that the civil war can happen anytime during the game depending on general's loyalty. It's more actually rebellion but what makes it great is that you can choose to be the rebel or the ruling faction and you can also lost regions at the same time.
This feature technically is available in Rome 2 (the loyalty part) but was not fully implemented. For the previous games even if general can rebel they did not take away provinces. Even in RTW you can either have a general went rebel (usually by bribe though) or region went to rebellion but never at the same time unlike MTW.
The FOTS part I mention is that it can be use late game for Rome 2 also but instead of allies forming unions I would rather have empire split depending on general/family/region loyalties while allies, even neutrals that form non-aggresion pact will decide whether to stay with you or with your rival enemy.
I know some people may not like loosing their regions etc but if we want late game challenge there's none I could think which can be more interesting that this.






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