!"#$%&/(( I lost the wall of text I was writing here 
So a short version now:
I continued to play after I got dropped to desktop the other day. I used my sovereign that gives penalties to my cities to explore and fight constantly. I found new areas with resources and founded 3 more cities. I researched equally in all fields. I got to lvl 4 spells (general + earth).
And then I got attacked at my capital by a force I had no way to stop even with all the troops I had to keep in all of my cities to protect them from numerous monsters. I quit the game (not the 1st time I lost like this). Probably for good this time.
So lets see my options in this game:
1. Advantage by exploration? None. In Civ games you can get tech that speeds up your development or a more advanced unit that lets you conquer early. All I got from this is extra money (which obviously didn't help me) and a bunch of very basic equipment which is only useful for other champions which are too expensive to get. Lets not even go into all the stuff you get by exploration in MoM.
2. Advantage by magic? None. None of the general + earth spells I had could help me beat this army. Yes, I could immobilize the troops for a few rounds until I maybe got another stack of units out but it would not help me. I would have been better if I ignored magic altogether (more money for troops and less rounds spent building arcane academies). All the magic I needed anyways was familiar + heal so my sovereign could adventure without needing to return. It would have been more useful to use alchemy to turn mana to gold and build more troops.
3. Advantage by tech? Kind of no. One of the most basic tactics of 4x games is to risk early game and outech your enemy. I done this in Sins, BotF, Master of Orion 2, Sword of the Stars, all Civ games and MoM as well as other games. In this game this only works if you tech in Warfare. Armors and weapons all you need and your only real option. One branch out of 5. Such a bad design and in year time after this game is out it stayed the same kind of bullshit. I lost because I didn't tech in warfare only and spent all my resources and money into troops with these techs.
Not to mention how the tech tree is impossible to plan, there is no easy way to see all the tech and see what leads to what (unlike Civ 5, Sword of the Stars or even Sins - your own game). Not to mention how tech from the same tree cost the same even if it is a level lower (who ever came up with this idea and through it was good should be permanently banned from designing games - or designing anything).
4. Advantage by money/resources? None. In this game resources are not a tactical option, but only a requirement. That is bad design. Yes, you can turn extra cash into champions and equipment for them but you cannot buy troops. There is no easy way to get an advantage by hoarding money, mana or other resources. Amount of cash you have was lowered a lot from before and that broke the game in my opinion. Before all you done is buy champions and equip them and you still had cash left over. Now it is totally opposite of that. Options are still missing. Even worse, to make a decent group of troops you need to spend 150 gold (and that is before metal armors) and then wait for 9 turns. WTF? All other games give a lot of turns but lower prices and a way to buy the build time.
Anyways, as you can see I complained about the pillars on which this game was built upon. And yes, they are crap, not well thought out and not well implemented. I just hope FE will not be using these same pillars or I can say already this whole game was the most wasted money in my life.