I am pretty sure they are less likely to atack if you have garisoned units. It does not evaluate what units it only counts how many. So you can have a lots of rubish and it will think that you are risky to atack (it still can atack, but chances are quite low).
Othervise you can challenge him you might need few (3 -4) units equiped with high intiative weapons (if you have those first knifes researched with some intiative they will do) and stack dodge traits. It depends what race are you (if wright then its cool to fit with dodge). I made 1 such golem with army of 3 early units, but my hero was assasin (he died, but he dodged like 7 turns before dieng) and i won battle with cassualities... but i won... and my ppl were safe and happy again.
P.S. Your scout tactic by the way is also decent: its cheap, safe and nobody has to die (unless scout >
) It buys you a time to gather a force to deal with issue.