So you want me to take 200 ducats worth of loans (about three or four loans at this point) to buy a fort? You do realize the interest in that will probably be a full ducat per month starting out. Actually, at 4% interest, it should be .8 ducat per month. I can't afford that. And to do it twice? I'd never get out of debt. As for war, who am I supposed to take money from? This isn't Sweden carpet sieging Muscovy. This is Brittany either fighting two or three province nations (when I am able to take the coastline) or else fighting France/England to where no matter how many sieges I lay, I will lose money to army maintenance. Best I can hope for is 10% war reparations which I take as much as I can.
Im not saying you have to do anything, just that its what I do. I find forts essential this patch and I don't like have provinces not protected my them, so if I need to build them I take loans. You can do whatever you want, there are plenty of different theories of how to play, some people even suggest building no forts and spending the money on troops instead. If you prefer it you can save up, put your troops on low maintenance and sit there doing nothing; it might take 20 years at speed 5 but it will get you the money you need.
But to say you cant afford to build forts is entirely your decision, even if it is economically the right one.
As for money, I usually find that small HRE states will give 50-100 ducats in peace deals (remember they can take loans) and more for larger ones. Any war I get into that pulls in a small nation, I will siege them and force them to peace out for as much money as I can get. It is not difficult to get money, you don't need to siege Muscovy to do it. Though if you do end up fighting France, just the wargoal will be enough to take money, you don't need to 100% siege them.
1) Yes, that is true, but you always had about a year to get your army to the province to take said fort. In this case, it insta-converted. Even 30 days for a normal siege would have been enough for me to get my army there.
2) See point above.
3) This appears to be debatable. But it seems every time I have a province insta-sieged, I get the bad effects from it falling (like 10 years of nationalism). But I cannot confirm that as I do not remember 100% for sure.
4) I did have protection in that I had forts at my borders to protect my inner provinces from invasion. How would I know a random AI group would instasiege it?
Maybe, if it was that essential to everything, you should have kept your army on the Center of reformation? You have to be prepared for unexpected events, claiming there is some terrible flaw with the game because something preventable happened doesn't change that.
Anyway, you don't forgo an army because it costs too much, why do you forgo forts? They are just as important.
Next time, I will put forts in every single province and go -10 ducats per month until I go bankrupt then.
Don't exaggerate. Like I said, you can cover every province you own in that screenshot with 3 forts. That is 600 gold of loans assuming you have no money (which you do), 2 ducats of interest a month, not even as much as your forts are already costing to maintain.
If you wanted to, you could get away with 2 forts to cover almost all your territory (more than you have covered now as well). In your current screenshot that is 250 ducats in loans with your existing treasury and will save you in fort maintenance as much as it costs in interest whilst giving you better protection.
I have to take quantity ideas when starting as Brittany. I don't see any way around that unless you forge a strong alliance with France, but usually they wind up wanting your provinces and break it some point or another.
Last time I played Brittany (last patch), I took exploration and Religious as my first two ideas. Though by the point in the game you are at I had killed France and taken all their territory, so I was obviously richer. I think you are far better off killing France early as Brittany if you intend to take any territory in the French region, they end up hating you otherwise. But that's just my preference.