Training really isn't worth much except when you first start to raise an army. And it takes alot of skill points in training to really do much anyway. You'd be much better off spending those points on something more useful, and just using river bandits to train your troops. Have your men hold position and just solo the bandits, shouldn't be too hard at all. The only exception is if you're going for an army of sword sisters, as refugees are hard to replace and getting them upgraded fast is essential...but then again, river bandit leveling is still a very viable alternative. Surgery on the other hand is an absolute must.