Overall, retinue members seem have a largely positive effect on the governors' ratings. However, all that is offset by many negative traits. In fact, the negative traits seem to overwhelm the few positive ones when it comes to Management and income. From I understand, an empire that generates large income is penalized for having all that money by breeding governors with wasteful traits. And it does not seem like there are any good solutions to develop governors with income/Management friendly traits when your empire grows in size. It often gets to the point where governors are only good for stabilizing a city's loyalty due to their Influence rating and once loyalty is under control, move the governor out so that a city's income wouldn't be diminished by a governor's many negative traits. A city without a governor often produces more money than a city with one due to an overwhelming number of income punishing traits. hrm, am I missing something?