That is a big problem.
Would be nice if we had a workaround for it. Some sort of application to edit save game files, allowing you to load a save game into it, and change the player faction from the one in the file to your faction, with a simple drop-down menu. This would automatically replace all the homeland/expansion markers in the relevant file with the ones for the faction that you are playing. Then save the files to a savegame folder of your choice, ready to load and play.
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