Does it really give pips to generals? Says here it gives:Army tradition gives morale & every 10 army tradition gives around 1 general pip
100 army tradition gives 100% of the following bonuses:[1]
About the morale, seems to me that 25% morale is not particularly important at all, especially not if you already have a bit of morale, like if you have 10% from ideas or national ideas then you already have all the morale you'll ever need.