Literally this happened on day one of a new game. So no opportunity
+1 I used to play realistic when I first started but then I would never rescue lords and the game could bug out pathfinding or spawning location during a high stakes siege and it felt cheated. I accept the consequences of my actions in game, but I play free save to avoid these situations
The morale system in warband accounts for this in a minor way, it may be more pronounced in bannerlord but for many people mixing and creating the army they want is part of the fun so I doubt it will become super restrictive
I would like this feature. I use manual block now after 2500 hours of Warband, however I didn't start that way. Also I am still bad a manual block so I compensate by having a shield and being aggressive. My life expectancy greatly shortens when my shield breaks.