IMHO Unless CA surprises us and have lots more factions (ie no rebel controlled at start but factions instead, both small (such as Obodrites etc.) and large (such as Cumans etc.), in which case not all have to be playable at start (though modding them to become that should be extremely easy)) I say all that appears on the map at campaign start except possibly the Papal States should be playable without any modding whatsoever needed.
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