For me, one of the most irritating features in Warband and its variants is the village raiding. I talk about the ability of the AI to loot your village, but RETREAT if it sees a danger. The same thing SHOULD be valid for the player, yet unfortunately this is not the case. It often happened that I see enemy forces miles away, but can do nothing instead of seeing them gather and attack me all-in.The player could never retreat if initialized village looting and this sucks. It suck from a gameplay perspective, it sucks from historical perspective, it sucks from logical perspective etc..
I'm pretty sure that there is no Warband mod which fix that issue, as I've spent a lot of time searching for such mod in vein.
I sincerely hope Bannerlord will fix this irritating issue, or at least make it optional if some people think this is related to the game difficulty.