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I already mentioned that using the Tent significantly reduces losses during creep clearing. Of course, this requires skill. And skill is gained very often. 8% is a decent chance. They are easy to catch. Just avoid taking random skills for a while.
Regarding Centaurs. Yes, the Combat Centaurs are tougher and don't retreat, but the Nomadic Centaurs have higher damage. And most losses come from archers, so whether they retreat or not isn't that important. You can upgrade them to the final tier if you want.
And Goblins are generally useful in the early game for distracting melee units with a few units, or blocking the approach of large units to the Centaurs. They don't represent a significant combat force in numbers up to 80-100.