Once you got alot of units unlocked there shouldn't be anything to complain about really because remember you both have the same starting funds (trading post -5% unit cost and the ashi retainer -10% unit cost is almost a must). No units or skills are really that OP most are spot on worth their cost.
If you complain about having to remake your army then this game isn't for you really. Building your army and messing with skills and going out onto the field with them into battle is one of the things that makes TW enjoyable. If you consider that to much micromanagement then RTS gaming isn't for you and this game compared to some other RTS games is really nothing in terms of complexity & micro.
And Rank doesn't = skill, so some of those lvl 10 guys you should be able to beat. Most of the people that play online are really just really horrible.
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