I play on normal and the AI seems very good right now. I imagine it will even get better, but if it does, my dumb ass will probably have to turn down the difficulty. They seem much smarter with their money than I am, I have a hard time being able to afford to field as many troops as they do and I don't expand as quickly. That's probably my issue, i tend to stick to a small number of cities and turtle up, while the computer makes a vast empire, and I sit and wonder why I'm not doing as well. Also, I am almost always stuck making cities with a 4/2 food/mat ratio. Every now and then I might see a 4/3, 3/4 or 5/2, and 5/3 is the best I have seen. Alt and have never been able to build a level 5 city in any game.
Other civilizations declare war on me at all times, non are interested in trade or peace. I am afraid of exploring as I don't want to meet other civs at all. they always have a much higher power rating than I do, their troops sometimes have strangely high stats, and their heroes must gain 3 or four traits per level up. Or I find a way to get diplomatic capital, as its super easy to make peace with it, but that peace doesn't last long.
I had one game where an epic strength group of Umbersomethings and golems escaped from a wildlands and destroyed my civilization. They killed every group of troops I had in one or two hits. I eventually killed them with a lot of casualties, with all my heroes, and some "mage" troops shooting them as they ate my frontline troops. Although I had lost three stacks of troops to them and three cities already.
Although, the last game I had, I decided to use my champion to adventure and sell stuff, set my taxes to none, and create a ton of "slaves" thes e are spear wielders with just a couple pieces of leather, weak and conscript, and a spear. I think they were 5 group units and they were cheap as shit. They defended my cities well enough in bulk. Then I created a single army of knights with all the benefits and gear I could throw at them. When Yithril attacked, I knew all I could do was engage them with my army, sack their cities and raze them, as there is no way I could take and hold them. And this pattern repeats itself over and over. And now after 400 some turns, I'm enjoying myself, but the game is crashing, boo. I need to turn that one in as every time I load it, it will crash in a few turns.