Yep. That's the problem: there really aren't any choices.
Unfortunately, true for towns and mostly true for fortresses
All town choices are no-brainers
[3] Guild Grocer: 10% to everyone's hit points.
[4] Governor Mansion: +1 production per material everywhere
[5] Guild tribunal: +2 production per material everywhere
For fortresses
[3] Strike garison is a no-brainer for your main fortress
[4] There are no really useful choices, but mining guild is free iron.
[5] Here all choices are good, depending on your situation, although for troop production, Great Arena is best, which make me always choose it in the main fortress (all other fortresses are conquests, and seldom reach high levels)
For conclaves, almost all choices are hard ones, even if I usually end up making the same ones.