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So you need high Path-Finding skill, decent Scouting, and a few extra horses in your inventory to counteract your trading goods. Also, you probably do not want too many non-mounted troops, if any at all.
For the fighting... you need some player skills. Some people can take on 50 bandits with 8 companions, but those skills come with experience.
As for the best route... For years, I have been using Charisma as a dump stat in Native. As in, I have not put a single point in it, and my last few characters have all been Charisma 7, Leadership 4 charmless brutes or eggheads. But before that, around 2015, the best trade route was a circle starting in the Nord lands and going something like this:
Vikingland
- buy salt and linen
-sell (S)Iron, (H)Spice, (W)Velvet and (W)Flax
Slavlands
- buy Iron and Silk
- sell (V)Salt, (V)Linen, (H)Spice, and (W)Velvet
Horselands (Khergits and Sarranids)
- buy Spice, Dyes, Salt, and Linen
- sell (S)Iron
Westernlands (Rhodocks and Swadians)
- buy Velvet and Flax
- sell (H)Spice, (H) Dyes, (S) Silk, (V) Salt, (V) Linen
And then you do it again. For best results, fight in tournaments, save lords from imprisonment, clear bandit infestations and lairs, and kill any outlaws.
But personally, if you do all of the above and only trade occasionally, you'll do just as well, and travel much faster.
That said, while doing the route, check villages that source towns because often they will have some inventory and will sell it even cheaper. Pay attention because for some goods villages will pay full price, so you can use that to offset the cost of whatever they are selling. This comes in particularly handy at Dashbigha and Dusturil.
https://docs.google.com/spreadsheets/d/18UdWQyj0gXu3Pp4GaM2DtuGQS9aCC2mzZy_xWW_nAIA/edit?usp=sharing
if you want another non-fief related method of money making you can become a slave merchant/bandit kidnapper, grab a horse, buy a sledgehammer or two handed iron mace, hire any manhunter prisoners you save(they use blunt, pretty sure upgraded tiers do too), give your companions blunt weapons and hunt small groups of sea raiders and gradually go for larger groups. The loot they give is also pretty valuable.
buy a weavery and dyeworks as soon as you have 10k in rivacheg(you'll have to do like 2 or 3 favors for the initial lord since he starts out with -3 relationship with you)
Like between 1 and 4 denars.