What is your opinion about Heroes IV?

I liked the fourth game because the heroes could act independently; if you wanted, you could gather up to six of them in one army. But in the third and fifth games, heroes without an army are useless. In the fourth game, a well-developed hero could fight a dragon alone (dragon arenas). It was also good that the troops matured every day; you just needed the money. However, in the fifth game, construction doesn't require as much money.