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I agree.
Even though personally, I don't use it like op does. I use it to more or less create a buffer by gifting an occasional settlment to an ally or some other faction in alrewdy friendly with and have no intention of going to war with.
Plus I like to stay within the lore. White dwarf would not be besties with malekith
Currently gifting some rotten half destroyed level 1 settlement doomed to be retaken in a couple turns give you not only 3000 gold but also +20 relation, kinda ridiculous
Trading settlements being extremely powerful has finally made diplomacy, as a whole, potent enough to use as a strategic tool.
I've found the new transaction "balance" button is very effective at pushing other factions toward bankruptcy. More so than handing out settlements anyway, albeit far slower.
I've also found that overdoing it by handing out settlements to control the landscape will come around and bite you in the ass.
Also, the diplomacy blow-back from other factions is quite substantial for gifting settlements.
Naturally, it depends on how you play and what your focus is. As someone who plays SP with emphasis on campaign map strategy, I really appreciate Diplomacy being raised to a functional level.
first of all it allows you to create buffer states,
second you can actively give land to allies that are better suited for the type of settlement than your own faction might be.
third, while the current value is very high it does allows you to create unconventional alliances which are otherwise very hard to create. this way you can actually make use of allied recruitment properly.
in most of my campaigns i prefer to be at least somewhat lore friendly but for those campaigns that i dont and just want to mess around with interesting army bonuses giving settlements is a great option to make it all happen.
yes you can bankrupt a faction by trading, but there are all kinds of ways to cheese the game. it is all up to the player to decide if they want to make use of those options.
it is all up to the player to decide how they want to proceed.
It's Total War. Everyone is your enemy.
This has been fun, but it's time for Med 3 now please.
play lizardmens then you'll never be able to confederate