
Originally Posted by
vovery
It's true - the army can be disbanded if not able to finance it. Unfortunately currently the first upkeep costs are already charged before it's the player's next turn after the army appears when an AI faction takes a settlement, which can make the player's coffers run dry. But then of course, it's advised by pop up messages to keep a few thousands in case of unforeseeable events. Both of the times I wasn't at war with the faction who took the settlement, so the armies weren't too usable at those moments, as initiating a war is such a hard hit for reputation.
And yes, one extra general isn't actually that bad, unless the player faction is very small when the general is spawned. I've noticed new children are mostly born when settlements => all generals & unmarried adult princesses, and in some rare cases even when the player has one settlement less than the total headcount of generals + princesses. But if taking care of the total number of adults in the faction, I guess getting new children to born isn't too problematic except for perhaps Scotland and Portugal, which both require quick expansionism, but have no rebel settlements to quickly conquer. And neither of them can receive an extra loyalist general in the early game without perhaps losing a settlement first, as there are no free rebel settlements for neighbouring factions to take, so it's indeed just a small impact overall.