I have an army with a level 6 trained unit (in this case, a Defender). In that same army I have a level 5 champion. If I attempt to visit a notable location (empty caravan, old battlefield, etc.), it will tell me my army needs a champion to visit it. I have one, though!
I believe the issue is that each army is checked against the highest level unit or the one with the highest strength rating. Either way, it's seeing my level 6 troop as higher level/more powerful than my level 5 guy and making it the leader of that army.
The code needs to change to check for the presence of a champion in the army, not just look at the leader of that army for that same check.
Anyone else have this problem?