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Look, when you play on L or XL, the probability of finding an opponent quickly at 200% is very low, and the chances of defeating them with your army are even lower – it’s almost pure luck!
I might be able to act like you suggested and play with over 130%, but even then, it’s unlikely!
Usually, I try to build up my town in 8-10 days and then focus on creatures, and it turns out that after 3 weeks, everything is built in my town (except for the Magic Guilds, of course).