There is a not-so-fine distinction between a poor explanation on my part and an inability or unwillingness to read on your part. Perhaps bullet points will help:
1. Having private armies is silly.
2. Without private armies, your idea turns into a mass of new features that overcomplicate the economic and political systems, without a clear way of seguing into the current, faction-based models.
I won't patronise by quoting back in detail what you've written. You asked for comments, and you have mine to do with as you please. Kindly be assured there is no jealousy on your ideas for my part. I wish you the best of luck with them, though I personally would prefer if they did not show up in a Total War game.
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