2. Players often enter the Dungeon with the intention of maximizing their gains, or if their army is weak, they have a retreat plan in mind. Pandora's boxes do not contain internal guards on random maps.
3. It's a matter of personal preference and risk tolerance. Some players avoid it altogether, while others enjoy taking risks.
4. The smallest game templates are M without a Dungeon: balance, skirmish, 2sm2c. These are played extensively. S templates are not played.