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How long do you think it takes to accumulate 100 guys?When everyone can get an army at the drop of a hat basically for free, trying to accumulate 100 guys the normal way would be a massive detriment.
edit: like 15-20 minutes, maybe an hour if you want to get them all to tier 3 first.
The real drawback with the current systems is paying those troops and your idea wouldn't alleviate that burden. If they were upkeep free or considerably (50-80%) discounted that would definitely be an incentive but... a player would still be stuck with **** troops in a lot of cases and winning battles is maybe a bigger carrot than paying 2-5x as much in troop wages is a stick.
I guess it would be a detriment for the first playthrough, before a player develops a sense of how easy it can be to raise new troops or if the game simply never taught them it was easy in the first place. But that would probably require enough balancing so that certain troops weren't blatantly superior to others.