Why to be worried about your general's death at all? If your first thought is that you have lost befor the match even started, why to bother if general is going to die anyway? In your mind You have already decided that you are going to lose.
Lao Tze (Tao Te Ching), Sun Tzu (Art of War) and many others. Many are familiar with this books or have even memorized all their quotes and statements, but there are few who ''understand'' them.
I agree that general's deat causing your army to rout is out of balance and unrealistic and on the other hand we should not negelect that there are other important issues and if they are fixed they will bring a lot more realism into the game.
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