2 maNiT
Sorry if I offended you in any way, selecting an army from one hero and transferring it to another is a standard move at the start of any game... And lizards aren't particularly strong, although they might be better than gremlins, but definitely not better than gogs!
1.there's no money (since on King difficulty 500-1000 gold is given at the start if you chose gold, otherwise zero) due to terrible map RNG and a small amount of gold.
2.there is no hero in the tavern who has gremlins available; I don't remember his name, the one with the gargoyle skill.
and you say it's standard in any game, as you can see not in every single one.
and as for the damage of Lizards and Gogs, it's clear that gogs are better, they hit multiple targets and their attack and damage are higher (if my memory serves me right)