I do not think I am the only person to play on different difficulties depending on the strategy I intend to use.  If I am going for a Master Quest or sovereign rushing, Insane is a good challenge.  But I want to exclusively use trained units, I cannot really play on Insane, because the enemies get so many hit points that my troops feel like wimps.  As I rule I hate difficulty settings that make my soldiers lose a one on one.  I'm OK with the enemy getting three soldiers for each of mine, but I really dislike one of his being able to take out two of mine in a straight fight.

On the other hand, I would still like to be able to give the monsters extra hit points, and let the AI have Insane growth, food, resource, and research bonuses.

I know that right now we have a lot of AI difficulties, but their growth, food, research, production, HPs multipliers scale together.  I would like to be able to define custom AI difficulties where the multipliers are separated.  So I can have a hive type faction that can grow huge cities on little grain, a research faction that can field advanced units, or a militaristic one that can produce tons of trained troops.

I do not think that this would be so hard to implement.  The AI difficulty is already divorced from the monsters difficulty, and the multipliers can  obviously be set separately.  How hard would it be to allow us to create custom AI labels?

Oh, and as long as I am wishing.  I would like to be able to set the bonus/penalty for fighting inside friendly/enemy sphere of influence.  People complaining that heroes can win wars all by themselves should be happy if they can play with rules that reduce their uber-tank's attack and defense by 75% if he is inside an enemy town's zone of control.