Cities destroyed early at Novice difficulty
This morning I had the experience of having my 3rd city destroyed by a bandit too powerful for me to oppose. I play novice/fast and typically try researching equipment, weapons, and logistics fairly quickly -- but before I could build any defenders at all, a bandit with a "27" in the lower right corner destroyed a city -- even after I reloaded and put my my sovereign and Janusk there. I don't see any way I could possibly have built a strong enough stack of defenders that early; there just isn't enough gold and materials. My sovereign/Janusk stack occasionally dies for a critter with an "8" in the corner and has to avoid the "27s" until at least Summon Familiar and often Arcane Weaponry/Armour.
I've seen rumours that "normal" is "easier than novice" -- does that mean powerful monsters like this are less powerful relative to the champions?
Should I just give up when this happens and start a new game? This city destruction thing happened once in about 10 games, so perhaps it's just the (bad) luck of the RNG?