1. this is advantage for player not npcs. If npcs can have caravans and workshops i have less problem in lords going bankrupt issue. Because these are very important income sources. Lords not having these assets is not my decision. I wanted some npc lords to have caravans workshops also. However it is not wanted.
2. they get only 25% of their party size as free troops when they respawn after escaping from captivity this will reduce 10% soon. this is very minor advantage. If party size is 100, currently they get 25 troops free soon it will be only 10. 10 x 100 (average troop cost) = 1000 after each spawn, this is very minor in all economy. You can examine tables I shared how important 1K is. If you ask "if it is not important why you give 25% troops at respawn" answer is to save lords at their first day otherwise they can catch by bandits on their first travels after respawn.
3. they have predetermined set of armor / weapon and it is stable, player do not have to spend huge amounts on his armor or weapons to get extra +2 +3 because he is only one troop, effect of this is not huge in battles. These are only money sinks. Also player can kill 20-30-40 people on a battle but ai lords cannot do this. I want to see they can also do but this is mission ai team's area I cannot make improvements at this.
4. this is not true, they also spend gold in peace treaties which is done between npc clans (for example if vlandia in a bad situation in a war vlandian king pay gold to make peace with another npc kingdom).
5. this is not true, they also get negatif relation.
6. this is not true, they pay garrisons.