I want to play at 15k. The idea is that one have to have enough florins to buy good spears (v3 chiv.serg, v3 armouredsp. etc.).

Yes, v4 JI and v4w1 Ottomans might be a problem. But on the other hand I expect v2w1 or even v2w2 CMAA, so I am not very concerned about "overpowered" hybrid units.

Extra florins, hm, I dont think that there will be too much extra florins. A v2w2 CMAA is costlier than a v3 and most of the good spears (v3 chiv.serg, v3 armouredsp. etc.) are costlier than a v3 FMAA, so there wont be extra florins neither for cavs nor for archers. In other words I expect the composition of the infantry to be different, perhaps more spears and more hybrid units but roughly the same cavs and ranged.