For example, like this (level 21):
Against Necropolis:
3 Logistics - Pathfinding
3 Defense - Mass Stone Skin - Reflection
3 Attack - Mass Haste - Ballistics
3 Luck - Magic Resistance - Soldier's Luck
I wonder, why Reflection against Necropolis? There's only Ravenna with Chaos. And where is Leadership? You can take -11 from the Shout. There's no tactic either.
P.S. Against a Dwarf at level 21, Haven has no chance either.
И пока в кармане пачка милкиуэйев - значит все не так уж плохо на сегодняшний день