You will always have a bunch of pretty much incompetent governors or generals. So what, you are going to let them govern a city and lose money? It's ok if they are good governors, but don't let them rot in the city. Find a good general (morale stats make a good general, btw, not command stars) send some dumb cousins, and roll. It's another thing if you want to recreate roman tactics, but you still play against the AI, and after all, rome was always ready to adapt it's military.