When you keep referring to money as not that important for experienced players, do you put into account the smithing glitch or not ?
I don't use smithing ever (unless testing a change), so no I don't consider it at all when talking about player's money or game balance. If I did consider it then the money related effect would be even less valued. Beating lords is the best money in the game and really the core of the game. There are many fast ways to get starting money too, so even early on an experienced player doesn't need help from perks/skills for money. If anything the +movement perks help this even more then the money perks early game as whatever the player does for early money, he does it faster. You can't just buy 5 caravn's immediately and you don't have an expensive party or garrison, but you CAN ride your bunz around to get more "deliver the herd" quest faster and get more horses to (steal)sell faster with the battanian (or old khuzait) perk.
To me the approach is to take down lords for money and to only create more and higher tier units as you go after bigger and more enemy lord parties, so you are always using your investment in the field and always building wealth at the same time you pursue other goals such as fiefs and higher clan ranks.
I still think that the Khuzait bonus regarding horse production is valuable, especially for war horses.
Well, it can increase prosperity, but remember they also pay less tax to you, so that prosperity gained is even less valuable to the player the normal. Also the prosperity will increase food requirements for the towns which sometimes can be a problem, though I admit khuzait towns seem to not get too much prosperity to have problem usually.
As far as warhorses for the player, assuming you buy all the warhorses, you're getting 1 extra for every 4, so that could be sometimes relevant. But again for instance I buy all of my early warhorses as cheap imperial chargers and then for the rest of the game the rest are 90% from battle loot and occasion imperial charger buys. I almost never have reason to buy a steppe warhorse or other full-price warhorse. This is by far a YMMV thing though I admit and it's likely many people do buy all the steppe warhorses!
I'm interested for sure in how this plays out in the game over time.
Edit:
@SOku I forgot something important I wanted to tell you! A important reason I don't value money is that IMO the game lacks meaningful money sinks, or things you can do with extra money! You are limited in how many units you can field, how many clan parties you can have and how many upgrades you can make in fiefs. So eventually the money just doesn't have a good place to be used anymore. I guess maybe you could pay high price to recruit some extra lords with fiefs if you really had tunz of money, but by then you probably can have tunz of money no matter what culture you picked.