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Regarding the perks, I had a companion with a governor perk that reduced garrison upkeep. I looked at the tooltip on the clan menu on the daily income which showed the garrison upkeep. It was the same whether or not he was installed as a governor.
I don't think some or maybe any governor perks are finished yet. The engineering skill itself seemed to work though.
I know this is a late answer to your question, but I purchased Bannerlord recently and was looking this up. Your assumption is correct, as I know it. Kind of stinks but makes sense, as you're not there actually governing, you're running the whole kingdom/clan.
From my understanding, the only real method to the madness of governor perks for the player, is to pick ones you'd use best to start a town that you just captured. So that they add say security, loyalty is a big one, and bonuses to boosting production of building projects. Those type of helpful things that take place when first capturing or setting up a new town. I wait there for a bit, since the player gets huge boosts to those stats, to get things going and steady. Then I head off for the next task or adventure.
I then planned for my wife or some other companion (your brother is a great option as well) to be the governor so, I'm working on tailoring their traits towards that, being as they are there full time. Wives make great ones, because if you marry the right on, they have high stats in a lot of categories that matter the most in a governor position. Hope that answers ya and/or helps a bit. Just what I've learned so far from googling and in game observations.