There's a difference. AI lords constantly battle, and during player battles the possibility is still there. Like someone else said, there are mods that fix this. And it works. But you can adjust the percentage to your liking, which is key.You've missed the point where I was saying that the death chance should be reduced when AI vs AI is implemented, but not to 2% for all the saint. With that rate it'll be hardly a difference playing Warband or Bannerlord.
There needs to be full customization and a plethora of options for this game. One should be able to adjust just about every little aspect to their liking.