Dwarf versus Necromancer.

It's not worth playing against Necropolis if there are 6 neutral towns on the map; it's just too difficult. When Necropolis has more than one town besides its main one, you can practically raise the white flag in 80% of situations, in my humble opinion. P.S. The chances, of course, increase if at least one of the neutral towns belongs to your faction and you manage to capture it.