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But the people there will learn to hate you, so it's kind of counterproductive if you want to have that village after you take it,
Starve the associated fief to starve out the garrison faster, which makes the siege easier. However, it takes a while for the village to recover, and it can take a long time to recover all the lost prosperity.
The more casualties you inflict on your enemy, the sooner they will surrender, and the higher the tribute they will offer. On the other hand, the higher the tribute, the sooner they will declare war again.
You can use raiding as a way to draw a larger force to come after you. An army chasing you is an army not raiding your towns or sieging your fiefs. There are better ways to distract your enemies though.
If you hover over Food in Manage Town or the encyclopedia, you get a breakdown of where its food comes from. This breakdown will list what the villages are contributing.
Raid those villages, and those food sources disappear until the town recovers. Food surplus goes negative, which means they have to use what is stored in the granary.
Raid multiple times and food stock will hit zero, and the town gets a minus 2 to its Loyalty,
And if Loyalty goes low enough, the town rebels.
Downside is it takes quite a while, especially if the town has a fully developed granary, so while you're raiding villages, someone will be trying to kick your ass elsewhere.
And this is with no mods whatsoever.
Vlandia and Asserai in essentially every game I play tend to be completely unraided due to their geography, and they will eventually have villages with ludicrous amounts of prosperity, and militias rivaling those of castles.
So if it is worth it or not largely depends on whether you plan on taking the bound settlement(s) and what faction the village belongs to. You might not want to destroy the prosperity of a town if you wish to own it. Though you might also want to destroy the garrison before besieging it.
Personally I do tend to raid all villages of factions that are growing out of control (essentially always Vlanida/Aserai), so that they get weakened and you don't have to face armies of thousands consisting entirely of T5-6 troops.