A light galley shouldn't be able to carry a full stack of troops either, but this is a game and not a historical simulation.
In the beginning you are restricted to 6 ships/stack. I believe the limit increases as naval infrastructure/technology increases, but it could be some other factor as well.i know its a minor point but navies are restricted to 14 ships i believe at least in my camp i could never have more than 14 ships in a stack.
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