Well that question is very much dependent on the situation of the game.
Is the player at war? What condition are the settlements in? Are they a ruler? What kingdom policies are in play?
Taking all of this into account, your passive income could be not enough to sustain your situation, just enough, or more than enough.
It's purely situational and you can influence it by the way you play the game.
It is reasonable, although I think towns should have a bit more money. 7000 would be good maybe.
I disagree at this point, caravans were too much safe way of making money and pottery shops were over profitable in comparison to other types of workshops
But what about caravans, as they are more attractive to bandits, it's need to allow to upgrade their safety in some way, for example increase troop limit(as it was decreased with the update) for money or buy/hire additional security to caravan
To provide different, quality options of playstyle is in the spirit of Mount & Blade.
-1 as well here.
They're putting way too much emphasis on "make player have less money" with the recent patches to the detriment of gameplay. From my perspective, the main issue was gold piling up lategame due to a lack of availability of anything to spend it on. The nerfs to player income mainly serve to hurt the player's coffers in the early-mid game, which weren't overly abundant in the first place.
i would but something to that post. The last change with 1.2. makes caravans absolutley worthless. I followed one of my caravans over the map, witch has now 30 man as guards and they got destroyed by a group of 14 looters. This could not be the way. At least a caravan will cost you about 15000 denars and now everyone will and can kill them? Ok i could life with it, if it was something like high risk high reward, but this isn´t the case at the moment. I hope you will look over that and will find a proper way that this system will work.
3: Horses are very very overpowered and dirt cheap. Why don't you test some kergit horseman vs any other bandit group with double their numbers and see which one wins? Horses being strong has been part of warband, I get that, but even with spears, without any sort of crippling effect when horses take a certain amount of dmg it's not enough. Perhaps ontop of horses getting crippled from dmg taken, perhaps arrows and all other weapons should deal more dmg to them(like double).