I agree on that Blodrast. However, on very hard, I really do need that advantage because the AI is sending full stacks at my half stacks every turn... On the other hand, I would like for the AI to play smarter, so that I didn't have to handicap myself so much to get a challenging game.

One thing I'm learning with retraining on limited funds: move all of your greenest guys to veteran units, then retrain the greenest. This saves a lot of money. Training a couple of 3 silver chevron guys is horribly expensive! Better to train a greenish unit and use the high experience guys on the flanks.