Do both! Fight fight fight (also marriages...) and when you have plenty of cash and a town you trust not to be at war with, try some workshops! I would say never get workshops early or when it's going to put you under 100k. Keep 100k for just in case.Ah alright, thanks.
So I just go back to endless fighting to earn money instead of wasting time trying to find the perfect place for a workshop that´ll make me like ~300 denars in the best case while I could make like 10k denars in 5min fighting.
Also @Flesson19 is making a guide so look out for that! He will show best recommendations in detail for each town AFAIK




