Quote Originally Posted by Hooahguy View Post
So my question is, when the civil war starts, does a portion of your forces go over to the rebels, or does a bunch of rebel stacks just appear?
Yep, I had pretty much identical experience as Quillan. Lost my other-2-families generals, a few agents, none of my forces. Based on what Jacque Schtrapp posted, it appears you won't lose an army even if it is actually stationed in the Loyalists' spawn region.

@Quillan, nice detail in their stack composition breakdown. Strongly supports (to the point of seeming to confirm) the idea that Loyalist troop composition will closely mirror the player's, and depends on what unit types the player has actually recruited, rather than the highest tech level to which the player has access.

It would be interesting to see what happens in some sort of artificially exaggerated case...like perhaps the player has Level III barracks built, but hasn't upgraded the units in the field, which remain hastati/principes.