Ok, Im not intentionally rushing, in fact I had researched evenly, with 1 level in civ, mil, magic and adventure. The game ended at season 48. I encountered the enemy around turn 45, which is pretty reasonable for a small map.
But, if the AI is leaving its units and cities vulnerable it is silly not to attack them. I also recall Frogboy saying that when he plays, once he sees an AI he attacks them.
My point is more towards equiping the heroes so that is not an option. All I had was one level of military which gave access to spears and padded armor. My first spell is arcane weapon, so that gives me a boost. But, since I had only 1 hero in the area, and he had 3, all he had to do was buy them equipment. The spouse and other units had at least a 2x hp advantage on me (due to ridiculous), so if the AI had bothered to buy a spear, it would have been an even fight. Since there was a stockpile of gold, I don't see why this wasn't done. Also, the fact that I am on enemy territory also gives them an advantage.
Is it reasonable to assume that 48 turns is enough to get 1 level of military? If so, he should have been able to buy spears.
Regarding the nice find bit, it is just a spear + arcane weapon. Even Janus had a 15 attack at that point (spear + arcane + bonus from delivering the noble)
Regarding vulnerabilities I don't think I am vulnerable at turn 45 to a lone hero wiping me out. It is possible that my build is too explosive at the beginning and the game doesn't have a counter for it. I am using a custom sov and custom faction, so I guess that could explain it.
What is a reasonable turn number for someone to have researched equipment? Also, this points out a glaring mechanic flaw to the game. If one level of research makes everything below obsolete, then the gain is just too much to be fair, especially considering the discrepancies in sovereign and factions. I believe some factions even start with equipment, and sovs can start with tech research. This make the number of turns to achieve military parity very variable.