certainly losing troops in a tough battle is a way of reducing your troop upkeep amounts, and it's putting them to good use (taking another town).
in terms of my own advice to kekailoa, it was clear that he/she was further into the game than just the first turn, hence advocating a disbandment to encourage financial growth...but early on, sure, blitz with whatever you have, if it triples your holdings then it's great!
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