Well 1alexey, remember that if you trade heavily you can quickly make up to gov tech 9. Also, you can just get inflation. OR hire a mom.
The same inflation that will hold your goverment tech 9?
MoM is iflation reduction. Didn`t i said trade is very usefull IF you have that?
No! Look: You can generally pay for your army with the Income you get from your census, centra and MoM minting. By Army I mean an Army at 100% of your forcelimit. During peace you will be at 50% maintenance. If you go to war, yes, it might happen that you lose a bit of money, so you might need to mint for a few months. Thats .3 Inflation at max. You seem to think that inflation is an insta-killer while it simply isnt. National bank does not give you more money at all, it only reduces your inflation. And if a National Idea increases the growth of your ecconomy by more than .1% (which basically every trade idea does in one way or another) its simply better than NB. Military Ideas give you the benefit of being able to finish wars much, much quicker, giving you cheaper maintenance costs and thus, more money.
No.
So you are basically telling that the ONLY thing that counts ingame is ducats. It simply isnt. Trade is neccesary to effectively tech and reach milestones like Land 18, Gov 10, Trade 7 etc. If you have a decent (100+ per month) trade income you can get more than 15 inflation free ducats per month in minting simply from decent centralization and a MoM.
You also have other things to put money on. Army is not the only thing there. But Ok, be my guest.
You get ~3 magistrates per year, so 3 building/yaer, so 150 for LVL 1 building, or 210 for 2 lvl.
My forcelimits are 81, i`m using 71 of that. Maintenance 22 ducats/month 100%, 260/year(assume war)
I also have a number of diplomats, that i may spend ~100 gold on diplomacy.
The net summ is ~570, currently the 1450 year, I`m +3 stability ENG, and i own most of France, my end of the year tax is only 340(so about half of what i would like to have).
There are 3 resourses in game that are essential. Ducats, Manpower, Magistrates. Enything else can easilly be gained by application of the above 3.
Also comparing the MD + MOM to just NB is apples to oranges.
Compare the NI+adviser also. So say NB+ discipline adviser.