Dreamcatcher
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I'm in favor of reloading the save when a plague week or a native monster appears. In my experience, there was a case where I was playing as Dungeon and quickly captured a Conflux, and on turn 1-1-7, there were birds stationed there. I think you can guess what happened next :) My win didn't take long.
However, the issue with native secondary towns is not as straightforward as it seems. Let's imagine that one player has two different towns, and the other has two identical towns. The first player builds an army everywhere and plays with two towns, while the second player frantically smokes. This is also unfair. There are two options: either completely prohibit developing secondary towns for troops (which would undoubtedly impoverish the game), or when a native secondary town is found, the opponent must notify the other player, and a mutual ban on building an army is imposed. At the same time, any other actions are allowed.
However, the issue with native secondary towns is not as straightforward as it seems. Let's imagine that one player has two different towns, and the other has two identical towns. The first player builds an army everywhere and plays with two towns, while the second player frantically smokes. This is also unfair. There are two options: either completely prohibit developing secondary towns for troops (which would undoubtedly impoverish the game), or when a native secondary town is found, the opponent must notify the other player, and a mutual ban on building an army is imposed. At the same time, any other actions are allowed.