Quote Originally Posted by MarcusAureliusAntoninus View Post
If you have none or very few settlements, you will have more family members than settlements. That 1:1 ratio only really takes effect if you have somewhere around more than five settlements.
Makes sense. Honestly though I can account for a few games where I've had too many family members/client rulers instead of a shortage so the percent chance must just drop instead of becoming null, am I correct?

In other words you can still have kids even if there is a 20:1 ratio of family to settlements but the odds are very low?