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You can greatly reduce the legitimacy drain right away via court positions. Crippling overextension gives you access to an imperial minister. An excellent one cuts the legitimacy debuff in half, more or less. You have to pay his salary, though.
I usually deal with it by going on missions in the umbra. One standard quest gives you roughly 120 legitimacy, so you just have to do one once every 20 months even without the imperial minister.
One thing that's also annoying about the legitimacy debuff is that there seems to be no way to see how much in total you lose/gain per month or am I blind?
Umbra is a great idea, forgot about that! Unfortunately I am playing as Shadow Inquisition right now so I guess I need to always become a sorcerer first.
Maximum overextension costs 6 per month, only 3 if you get a good advisor. Other talents further modify legitimacy gain and loss. I usually get the advisors with extra tasks that reduce military upkeep and buff vassal taxation. In your case you could win a war about some minor castle against a realm with a kingdom or empire title but a weak military. Bashing other empires over nonsense gives huge legitimacy.
Many of the advisor positons I do not fill because of their high salaries. That tanks my court grandeur, but that´s kind of OK with me.
The best ways to deal with overextension in my opinion are:
a) Be selective about your acquisitions. Go tall. Of course, as inquisitor your hyper agressive vasals tend to ruin that approach.
b) Since the penalty is capped at realm size 150+ or something you grow as much as you can. Your vassals only give like 40-50% of their normal taxes but if you have tons of vassals that is still worth it.
Does Theurgy also allow me to visit the Umbra for legitimacy hunt?
I wish I could declare not for land but for legitimacy and money. Expanding is easy with 50k troops but I just want to build some buildings and throw a feast every now and then! :-D
If you just want to farm legitimacy then any part of the umbra will to. If you go for specificy training, items, allies, troops, quests, perks etc. then you need specific access.
Every splat is quite good at farming 1-2 resources and kind of weak at farming at least one. Inquisition and vamps are tight on money, werewolves usually run out of prestige, mummies and fairies burn through faith like crazy, etc.
Inquisitors can not easily ransom prisoners for money, they rely on men at arms because their knights suck, their buildings are great but cost money. However, with theurgy you can get men at arms that require prestige or faith as upkeep. That helps a lot with the budget.