I know what you mean about overbuilding unnecessarily especially if you find yourself with a healthy Florin surplus at the end of each round. Unfortunately it seems to divert resources all over and for no particular direction which somewhat hobbles your ability to get the best troops/agents.
I'm not sure how the priorites go when paying for more building projects when you don't have enough cash but it would really suck to not have any progress on some key troop spawning facility cause something non-essential was being built.
If your empire has gotten kinda big then it probably wouldn't hurt to sit down with a pad and figure out which are your key provinces and make sure they get the funds they need to grow. Everywhere else you should then gear towards making money and also building things like churches, border forts etc... to reduce their likelihood to rebel. Another benefit of doing this is that you can narrow down to just a few provinces that you have to watch each year as opposed to sitting there for half an hour checking all of your provinces.
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