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Also you can only buy anything of note in Towns, not Villages, which are just for grain, food and minor stuff like that, so just imagine the village stable owners go to towns to sell their produces.
Well, since it's very easy to make money in the game, at least for now, 40k is even cheap for a good crossbow, but troops die all the time, if everytime a Crossbowman died you had to pay20-40k, you'd be a lot poorer a lot faster.
Every faction has villages that produce livestock, resources, and population that are then sent to the cities for produce(counting horses), manufactured goods, and prosperity in that order, I found one settlement that produces Midland Palfries and it's just north of Charas Vlandia's desert town.
The stables in the towns are for storing, not producing, there are not large pastures inside the walled cities that the horses graze on, those are in villages and they are brought from there to the markets in the cities. But you CAN go to said villages to buy the horses, just check out Khuzite territory, they have like 5 horse villages.
I was also just mentioning that the premise of the crossbows costing that much did not make sense for tier 1 archers to be using 20k costing gear, not that we should be paying that much or that crossbows should not be expensive, just maybe make the first tier of archer be hunters with hunting bows instead of levy crossbowmen with 20k machines that they barely even know how to operate, ya know? ;)
Each faction has its advantages and disadvantages. Vlandia has a very strong cavalry, the best one in Bannerlord, but not the best infantry. You are not supposed to be relying on them during a battle, instead you should focus on having as much cavalry as you can, using the infantry as support to your crossbowmen.
That being said, you can always hire other faction's infantry troops or even mercenaries to complement your cavalry better. In fact, the strongest army of the game would consist in having something like Vlandia's cavalry, Battanian Archers, Khuzait's Mounted Archers and Imperial/Sturgian Infantry.
You have to take that into consideration, each faction has something they are really good at and something they suck at. That is the cavalry for Vlandia, which is very strong, and the infantry, which is weak.
Makes sense to have archers come before crossbowmen in the troop tree though, even if very weak ones.
So you can make a pile of money taking Aserai horses from steppe bandits or buying them at villages for less than 1000 and selling them in the major Vlandia cities for a fortune.
So for my part i'm glad they have no horses.
For their infantry I find survival of the fittest to be a good model. Map the recruits to 6 or something. Get 10 of them or so, chase down some looters and tell group 6 to charge. Whoever survives gets to do it again. Those that rank up can then be footman.
You can do the same kind of thing to the footman till you have infantry. The advantage is that you don't risk 1 infantry because their support on either side was a crappy recruit.
For larger fights, just place the recruits a bit ahead of the footman and infantry. Think "human shield".
So their tier 2 infantry tree start not having a shield is just pure oversight or carelessness of those soldiers leaders, you aren't going to have a large military by culling the weak in that way.
EDIT : added -shielded-* as just infantry was too vague
Vlandian Footmen without shields feels like Russia in WWII sending out 2 men with one gun and one spare clip saying "kill them with the weight of your bodies" (Enemy at the Gate reference)
Proof that Crossbows are not supposed to have 20k as a base price, this mission says that the AI could do SEVEN crossbows for 9108, there has to be a multiplier on the crossbows in the market that shouldn't be there such as the equation being (Base Price)5 x (Prosperity) = (Crossbow Price) and that 5 shouldn't be there.
NOTICE I have no clue how the equations work in reality, but that was a representation of my point.
EDIT : You are providing the money to your men to go out and buy the crossbows in your absense.
EDIT : My party is consisted of 10 Random High Tier Cavalry, 30 Light Vlandian Cavalry, 40 Imperial Veteran Archers, and 20ish Sturgian Recruits, I have not noticed a food cost increase when I got my 30 Cavalry from infantry or any food cost for the 100-200ish horses in my inventory I keep for movement speed or for creating new cavalry units, my food cost should be exorbitant, and yet it's not.