AI militia problem (cause of it)

I think I know the cause of the problem with AI armies, that is: that they recruit tons of militia.

The AI uses military build policy in ALL their settlements (except for a city here and there which uses balanced)

I tested it on my campaign by setting it to military in all my own cities for a few turns, and sure enough, I had tons of militia pouring in. Then I set it back to balanced, and there was NO militia recruitment.

If we could find a way to make the AI use balanced build policy in its cities, their armies would be made up of castle units.

Probably would have to get into AI scripting. Some folks much better at modding than I am would have to do this! I manages to wreck my game. It CTD all the time so I have to clean it all off of my hardrive and fresh install.

Well, it's quite realistic to have majority militia armies protecting cities due to cost efficiency. Anyway, in my games, I see the AI use castle armies too.

I see a great mix of armies myself. Often lots of rather uber stacks too, filled with various knights. Seems to depend upon the faction though.

Yes, there will be armies full of elite units when you get extremely far into the campaign, but for basically for the middle 100 turns or so enemy armies are mostly made up of militia units

The problem with the ai is that it feels a need to spend all its money each turn, and if it can't afford castle units it goes for the cheaper militias. Of course, next turn is the same story as they didn't save up.

Many people seem to be reporting this; personally, I've not seen a lack of AI army quality yet. The only issue I have with AI recruiting is those large Milanese stacks containing almost no melee units, mostly crossbow stuff. This might be due to Milan having very few settlements initially and just recruiting whatever is highest up the tech tree - which happen to be crossbow units. Recently, one of their settlements seems to have been upgraded, and they've started recruiting heavy inf in larger numbers.
I'm not fighting them atm, but I keep a spy or two in their lands just to make sure I don't suddenly have to.

Milan needs a castle to start, thats why it usually doesnt have castle units.