There is not much difference between MTW and RTW in this... In RTW you can always fit a full army stack (20 units) inside a settlement (no matter what size it is)... Remember in MTW if you built a new unit in a province with a large enough castle (or whatever) then the unit would be garrisoned in the castle. Only if there is insufficient space would the unit appear outside the castle... Well the same applies in settlements in RTW, except the settlement can always take 20 units... (Sounds like a bit of a backwards step realisim-wise now I read it back...)
Or maybe I didn't understand what you where getting at....
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