Not only all of that stuff, about picking warfare upgrades, but questing is a good idea too. At level two or three quest levels I started finding good sheilds and some armor to use. Not a lot of stuff, but I'm only outfitting my champs anyway.
Another thing about warfare upgrades I just thought of, though: certain upgrades are nearly necesary. Like bows for instance. Dominated the entire map because right now, I'm the only one with archers. Also you want broadswords and leather armor. In my opinion, unless you're fighting catapults, once you have those three things you're good for a while and can focus on other technologies.