I think seeing the IA incapable of raising army maintenance before declaring war is a clear sign that the IA sucks right now. We are not talking about complex strategic decisions, just simple ones, such as pay your troops before declaring a war, so your troops are not at 0 moral...I am not asking for a "Skynet", just an IA that can take simple decisions.
"Incapable of raising army maintenance" is inaccurate wording. There could be a 1-2 month delay for performance reasons. We have fixed this in 1.0.1.