Has anybody else been curious how the game would play if the army mechanics were along the lines of Heroes of Might and Magic?

What I mean by this is regular units require a leader to group up and move out of cities, but you can only have 1 leader per army.  Leaving of course, your leader to be in the actual battle and not say HoMM3.

Every game I have played so far, even on medium map size, I have gotten to the gildar per turn point that I can just have enormous hordes of regular troop armies and just crash them against enemies.  "Leaderless" armies just feels odd.

Ok and then on to the real request.  PLEASE considering monster champions as randomly on the map!  I suspect this some how doesn't fit into the lore of the game(bummer), but I see some of the monster art on the map and think it would be neat to have him as a champion.