It has gotten to the point where the only time i engage armies in an even fight is when they are sieging one of my fiefs and even then there are many ways around that. The cost of losing men so heavily outweighs the reward of beating an army that it is almost stupid. At least with sieges you gain something for all the men lost and i still dont siege places directly. What do you gain when you beat an army? You get some gold and tbh nothing else. They have tinkered with the tribute payments so much that even when i wipe out 10 armies back to back other kingdoms still want me to pay 500 gold to them. Pls do something. I find myself mainly using passive options now to deal with enemies just because the cost to reward ratio is so broken right now and that is kinda aids.