"I haven't been able to get caravans, sadly"
Select Diplomacy on the 2nd turn, then wait till it completes, 3-4 turns, BOOM you have Caravans.
And now who has the thin skin. Your all worked up about a response meant surely to be in jest. I know Brad awaits today and the release of SC2, he Beta'd fcol.
As to the starting Gold issue. What is yoru hurry. I think that perhaps the chap that stated RTS's have spoiled some folks is more true than not. What is the hurry. The enemy cannot do anything when it is your Turn. It isn't like they are making 40G/turn after Turn 4.
And besides, as noted the AI is not fully functional, not is the final 1.0 balance in. Would 200 starting Gold be enough? 300? How much do you think you really need early on?
A Peasant cost 1G/1M and if you make a bunch, they are as affective early as a Champion later on. Try it, it works.
As for Balance, last night a Level 7 monster, some yellow demon, had 1400 def. I met a Champion who wanted 124,530 (100K + yes) Gildars to Hire. I hired a group of 4 for a reported 1500G (all I had) and when the transaction went through, got a bill for 3000G. I simply built up my Cities and eventually ate the -1500 and at around turn 350 was producing Companies that cost in excess of 3300G each, and made 3 before turn 500 which ended that game in a Conquest victory.
6 Cities total and I Razed the enemy ones to prevent breaking the Bank. Lots of Gold to be had, just not in the first 10 turns...