Fast expanding brings most cash(and fun). The only clan I had problems with fast expanding was the ikko-ikki. Converting costs some units and the ikko-ikki have many enemys, which requires an aggresive tactic.
I wouldn't use archers with the Otomo. Except in siege battles or with Chosokabe the bow ashigaru worth less then yari ashigaru. Other bow units cost more and still have a rather low use.
Don't forget to check if they realy bring something. Some building need ages to bring more cash then they cost.
If you play aggressive you shouldn't get problems after realm divide. If you play defensiv you may can get overrun. I don't know if it can still a problem, in previous versions clans had more armies.
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