Keep low-loyalty generals/princes out of the stack or in one stack with your monarch. It will make them less likely to start a civil war.In the beginning, my provinces go govenerless for quite a few years as I found putting a "2" in actually lowers productivity. Then one finds a "4" but his loyalty is "1".
Too bad one can't give them to all those bratty, disloyal princes. They're good for royal uncles too, though as they usually have high rank but lack loyalty.
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