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Learning also affects cultural innovations, but at the beginning it is better to keep as many domains, as you can.
Think of it as increasing capacity vs filling capacity.
Learn on the Job:
Gain 20% of the Councillors' primary Skills.
This shouldn't be in the game, none of the other trees get stat boosts like this. All the other trees are like, Yo here is +5 to combat advantage, Here is +10 to attraction opinion. None of the other trees give you base stats except for the focus you choose.
And then you have the learning tree, Yo here's 20% of your councillors BASE stats. So if you have 20 in all your base stats, and your councillors have 20 in what they are doing, you now have 24 instead of 20 to everything.
Sanctioned Loopholes:
Can use the Buy Claim Interaction. (250 Piety for county, 500 for duchy)
(This should cost more piety because I can buy multiple kingdoms in one lifetime)
Get the cultural fascination "Divine Right" so you can wage multiple claims per one war. This way you can buy all the claims of a king with saved piety. Once you win the war, you won't have any of that kings vassals, it will all be your land to give to whomever, the whole kingdom.
In my personal opinion unless you're roleplaying there is literally no reason to take anything but the learning tree since all the other trees are garbage.
The learning tree makes you live longer, helps you get claims on land easily, and increases your stats. You want more money? Don't take stewardship, take learning for easy claims so you can expand=money.
Stewardship is only useful for the less construction time.
So for OP's question, yes. High learning is very important on all ruler characters.
I'd have to disagree here. Architect is great for rapid development, avaricious gets you a lot more gold which is used for basically everything, even administrator is good at keeping an unstable realm together with larger levies and less likely factions.
Defense bonus adds nothing, unless you think 1 extra month of sieging will change something. reinforcements is ok but largely irrelevant, Adding 2 extra domains is nice, but to get there you have to take 10 crap perks that do nothing along the way.
Of all perks in stewardship there is only 1 that is actually good for early non tribal game, that is golden obligations, the rest adds nothing or close to nothing.
[Diplomacy]
Groomed to Rule: (Only one that really matters if you don't have time)
Children receive +1 to +3 skill points based on their childhood trait
Friendly Counsel:
Each Friend and Best Friend gives +2 random skill points (up to 5)
Sound Foundations:
Each living Child gives +1 random skill points (up to 5)
Then get the whole learning tree. Do this for all the characters you will play as. I end up having 10+ points to spend in learning and I can't spend because I live to damn long on medicine focus.
When your heir turns 16, appoint him the court physician, chaplain, and tutor.
The difference between your dynasty members and everyone else becomes a joke.
Edit: This is of course only if you want to trivialise the game or just to create gods for fun.
Be the best duelist nearly double your knight and increase their power by 75%
No need for big levies or big armies just send 10 knight wrecking crew
Going into the marshal tree doesn't make your army as good as just expanding and having better knights, more troops, and more gold.
Going through the ranks of count, duke, king, emperor gives you lots of knights. You also get some knights from the dynasty trait tree. All my other knight bonuses come from cultural traits.
All my tribal starts I usually go marshal tree just because its fun, fits, and helps muh immersion.
Combining both essentially makes martial, intrigue and diplomacy focus completely unnecessary and flat out sub-optimal choices because combining these 2 focuses makes your realm exponentially grows so strong you don't need to care if you aren't the best in other areas. Just crush your opposition under the weight of the resources you can muster that will completely overpower anything in quality and quantity.
Taking domain focus allows you to personally hold huge amount of counties. keeping the balance of power with your vassals firmly in your grasps and allows you to hold all your counties for your 2 duchies you are allowed to hold at kingdom/empire level even large 7+ county duchies if you have a 20+ stewarship score. That's with huge income even before the other benefits start paying dividends.
Architect tree gives bonuses to realm capital development and rebates on buildings costs and time of construction allowing you to boost up income to ridiculous levels. I routinely triple my income in a single ruler's lifetime with the architect tree on top of powering up my men at arms by constructing buildings that make them stupid strong.
The administrator tree makes all your vassals love you and gives you a flat +25% bonus to the taxes they pay up to you and with even with just ok diplo stat with 0 investment in diplo tree it practically kills any ability of factions to ever get any traction.
Then learning keeps your ruler alive and allows you to research techs at ridiculous speeds, allowing you to quickly acquire permanent improvements that carry on from one ruler to the next.
Really if you want to sail through multiple rulers who are filthy rich with ridiculously good realms. Just train every heir in stewardship, then once they finish architect or adminstrator (and if you invest in blood dynastic tree so they can all be geniuses who live to 90+, both). Your realm will completely outpace all neighbors.
Once they hit 50 ish, jump into learning, choose health focus and make your ruler live long enough to save money and improve enough the realm that succession is a breeze.
Stewardship, then moving into Learning is the way to go to forge unstoppable expanding empires.
no other focus trees can keep up with a dynasty of stewards that switch into learning once they finish 1-2 trees of stewardship. With the right cultural traditions, you max acquire all the techs in an era WAY ahead of the required years to move to the next age and all your counties are built up and maxed out.
because money and technology are where real power lies.
Have you tried the family focus tree on diplo? Your kids get better. You're better because you have kids. You're better because you have friends. You can easily make more friends. You can bring stress gain down to 0. They tried to cap it to a limit of 5 but as far as I can tell the cap has no effect (they tried to "fix" that once and broke it more, so I'd almost rather they leave it as it is).
I suppose if you wanted to be really over powered you could fill out the family tree in diplomacy and then go for the 20% council bonus from 'learn on the job'.