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ask yourself: do you like doing this village tasks?
i dont waste a single second with tasks i dont want to play.
In terms off what they might produce in terms of potential monetary gains. It just doesnt warrant the time. The opportunity cost is just too high compared to the gains; you will be way better off spending the time just fighting instead.
Working on that sort of stuff compete for your time against other activities that are just infinitely more rewarding; battle... or smithing for that matter if you are into that.
So, unless it is something that you actually like doing... Dont
Personally, I too thing that the quality of the quests in Bannerlord are at the standard of your most basic and repetitive fetch quests anno 2000.
Aside from their outcomes, they offer changes in gameplay. Protecting villages (we can choose to use limited unit if we want), alley fights, duels, etc. More narrative options more immersion, but I guess that can be a problem too depending on how a player interacts with them, ie efficiency machine just getting ♥♥♥♥ done.
I find they are less boring if we understand what they do and we do them in a synergetic way that results in magnified outcomes; more gains and flow is the height of the gameplay loop.
The best defense for your villages is to just not be close to the frontline. So, just conquer more:) Aside from that, it still seems like AI lords dont raid you if you are on friendly terms with them?
Anyway, if you find it useful, for immersion, then it works for you.
Its just not part of, what I would term, an efficient strategy to do. So, to the OP´s question. Is optional, your are not really missing out on anything important.
Some of the village quests does count towards raise up some character perks if you into that. Like mercy ..
If the village doesn't produce anything that's of use to you (and maybe even if it does), or if you would never want to raise troops there either because the recruits are the wrong nationality or because they're so low level they're more trouble than they're worth, blow the place off, dis the village elders, and don't give it a second though.
But there are a few villages that you might want to cultivate.. These produce things like hardwood or glintor ponies, or are the ones that you can raise troops from that aren't blubbering recruits but that already know how to use a bow or a spear. When I come across a village like that (and there are a few of them scattered around) I go out of my way to fulfill any quest they might need, no questions asked.
At some point later in the game you're going to be riding around with a large army that needs to have its losses replaced. If you don't have friends in strategically placed villages you won't be able ti reduplicate Pompey's trick of raising an army by stamping his foot.
But what you say is fair depending on how one plays. Its totally viable to just plough ahead and "win" faster with a motley mess of an army. Spending some time to cultivate an ordered and highly efficient kingdom can be done too via quests. And Id argue brings less frustrating back and forward results in the lategame.
EDIT: If my wording around motley sounds trivialising its not my intention, either. Just trying to state some folk play with whatever troop they can find =)