VH because it's the hardest setting (hte AI receives the most "help" - outright cheating on her part, yeah, but she needs it).
Coward, for two reasons :
- first, on harder settings, the AI fights itself much more, wearing itself down, allowing the human player an easier time when picking his targets
- second, on harder settings, the AI fights itself much more, bringing relations down, triggering force-annexations, and following very high BB, then relations & high BB cause more wars, which cause more annexations, etc, making a much less "historical" game and destroying any kind of good diplomacy