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I'm not misleading users; I'm simply stating what I observed. Anyone interested can personally test this.
The figures you mentioned earlier are also based on the personal observations of an unknown author and were published in PhysMig. I doubt you verified them either, but you're still presenting them as truth for everyone to see. As we know, PhysMig isn't perfect and has undergone various changes and additions.

Where there's an element of randomness, nothing is perfect; there's only the most probable outcome.
I don't doubt the accuracy of your observations (25% instead of 12.5%). But once, based on a similar observation by someone else, I decided to clarify this and tested different scenarios. When morale dropped up to 3 times per round (7 turns), which accounted for 43%, the total occurrence didn't exceed 12.5% over 100 or more turns (and possibly even 4.3% - I tested many different scenarios, but I don't remember all the details now). It's quite possible that 25% is not a General case, but a specific one, something like a bug related to a specific game build or specific to certain heroes, etc. I think that not only I, but also others have verified the observations of the unknown author and agree with the data presented in PhysMig.

Added 16 minutes later

I have this SoD... as far as I remember, it's an archived .iso file in a .rar... for some reason, it won't install.

GoedenDag gave you excellent advice. It's a great game build, but it's easier to get it by downloading the 4 separate files instead of the .iso image – no installation is needed. But the main problem is probably with Windows 7 – you need to enable compatibility with Windows 98, and there might be other issues as well. Don't forget that Heroes 3 was created for Windows 98. I haven't had any problems using it with Windows XP.