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The biggest weakness with them is that they rally with less than 50 effectiveness, which means they are fighting a greatly reduced strength...
It's best to rally them early, let them gain effectiveness, make sure you fight in your own provinces, and be sure to use combat "stances" (hold, push forward, etc) at appropriate times...
I've had my retinue hold against units more than twice their size, and only losing a few of them in combat, by having high effectiveness, taking advantage of terrain and hold to blunt the enemy charge, and then using the push forward command...
Yes, you can... Not all tax options are available, but if you click on your Manor, and click on the Tax panel, you can set a general tax which generates personal wealth that can be used to hire more retinue, or give them better equipment...
I've not had this issue. I use retainers as my front line and they do their job better than levies, the only issue is due to the fact they wear plate armour, low stamina. I find they tire out easier so you need to give them a rest before the fight as most of the time they are knackered from just the walk over.
If you let them fight when they are fatigued then yes they won't fare well at all but if you let them rest up those plate wearing maniacs will annihilate the bandits with ease, even before increasing their unit size with the garrison attachment for the manor.
You can tax your peasants like Ruin said or you can use your initial retainers with basic gear and your first stack of 20 spearmen to go bandit camp hunting. Choose to take the money yourself and use it to upgrade your retainers and get more of them.
This!!!
You need to let them rest to gain effectiveness, then they are much better than levies.
For me, its way easier to just use my starting retinue and maybe 18 militia to start bandit hunting. If you can kill bandits and then take their camp you typically get around 180-200s which you can keep or give to your closest region. I always keep it for my personal wealth then just steamroll that into merc hiring or improving my retinue and then hunt more bandits to keep a merc unit on payroll and have them basically pay for themselves