Yes, that's what happened. The SK's minions destroyed all of my cities except one. When they came for the last city, in tactical mode, my sovereign was there on the battlefield, live and in person.

One of the SK's mid-range units launched a one shot kill on my sov and it was all over.

Given that the sov is supposed to be very powerful, he shouldn't be so easy to kill. He should have a high base hit point total, and you should be able to equip him like any other hero.

My 2 cents