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I prefer to conquer a fuedal county then build a tribal holding there, set that as the main holding and get levies and tax income from the city and temples already built. Then concentrate on troop numbers in your primary duchy with all the troop bonuses.
if you're sitting on a pile of money and don't know what to spend it on, temples may be worth it anyway. especially if you don't plan to convert to feudal anytime soon.
Its not even worth it if you have tons of cash - since all your holdings need to be improved once you switched to feudal + you want to buy at least the income buildings for your cities/temples or they will sit around 100 years before they have finished even 5 or 6 buildings.
So yeah. 100% not worth it.
probably still not worth it unless you're going to stay tribal for another century or more.
If your ruler is at all decent, the loss of that one holding slot probably drops your personal levies in that county by quite a bit more than 100. That's assuming you're tribal, since feudal rulers don't really care about the number of empty holding slots in a county.
Also as others have said, it will take 100 years for taxes from the temple to pay back its cost. Converting from tribal to feudal would have given that temple to you for free.
They also cut your taxes (not a big deal) and your troop numbers (a much bigger deal) because they take up an empty slot. Considering you a get a temple and, if the county has enough empty slots, a city for free on changing to Feudal I would almost never bother building a church just because. Keep the cash for mercs and bribes to ease the transition from Tribal to Feudal instead.
I'd skip building temples unless you are desperate for that MA (I'd just raid and burn down other churches, honestly), Zunist (since you can't raid), or if I'm building a temple in a Holy Site that doesn't have one yet (only Tengri IIRC).
I'm pretty sure that they are wasted. You get a freebie if there isn't one in the province but otherwise you lose out on it. Even if you get one anyways I'd still rather save up my cash for mercs and bribes, honestly. It's going to help you more than a barony you don't control.
Just grant it to a regular vassal and they will do the same thing.
The one and only thing one COULD see positive here is the +1% authority - rather bad trade for 400 gold tho.
You also get +1 for looting a temple of another religion - so just try to get roughly 30 ships and raid Ireland into the ground, ez reform.
Nah, only about 95% wasted. Zunists can't raid so they need to do other things for the MA and building churches can help with that. It's also good for anyone with holy sites that don't have temples yet (mostly or all of the Steppe provinces). I can't think of anything besides those 2 uses, and even the latter isn't really necessary, it's just... nice? Zunists tend to need some help getting those last few % of MA though.
Indeed rather 95% - for the european pagans it can also be used if one is stuck at 45+%