I think one of my problems with leaving troops "at home" is I always feel I could be putting them to better use by conquering my enemy's territory even faster, being able to take on more of their soldiers at once, and pushing in futher and faster than I could if I left them on garrison, so I have a nasty tendancy to move all these "cheap, poor units" out to my front lines, once against leaving my cities as poorly defended as they were before. I never seem to have enough troops on my front, ever. Then again toward the end-game of most america campaigns, I am sieging multiple cities with multiple stacks at once, so I suppose I only have myself to blame.
I do get financially strapped as new spain during mid-campaign, I like to abuse large armies of mercs as cannon fodder. When I played as the apache however, I found in many cases I could have nearly limitless armies and not even bat an eye at unit upkeep. (30 per unit? oh yeah, train more units!) I tend to be more of a blitz-style player, which makes me very offensive minded on the campaign map. I should probably be a little more defensive minded since if a faction that doesn't share buildings with me takes over the city, all my buildings get razed to the ground, which turns a good production center into a now-useless city.
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