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a stack can also raid even if they aren't strong enough to take a city.
I think so.
Norscan armies get a huge upkeep reduction if they're in raiding stance. Etc etc.
In the end though. Sacking is a single payout, and then wait a long time for them to build back up. If you sack them multiple times in a few turns, you aren't getting anything else from them. If you raid their land, you get that same income continually until they force you off of the land, while also having to deal with things like rebellions.
...While getting money out of it. And upkeep reduction if playing as Norsca.
On these difficulties, raiding is only relevant as a thing the enemy can do to you. For example, if the AI plans to declare war on you later, they'll start raiding your lands while preparing for their "surprise" war.
On Legendary difficulty, there are only a few esoteric reasons to raid: satisfying quest conditions, or slightly subsidizing the cost of an army on guard duty by having them raid a nearby province that isn't worth capturing. But even in those weird edge cases, it's usually more efficient to lose territory and recapture it versus sitting around with an army not destroying anyone.
To make someone pissed at you to get them to attack you (defensive alliances).
Raiding only makes sense when you're just out of attack range, in which case you might as well end your turn in raid stance if you're confident it's safe, or to lure the enemy out.
Its more useful for some groups like Dark Elves or Skaven as it can provide a continuous number of slaves and Food or for Vampire Coast if your Admirals have the Plunderer trait.