I've had an itch to play a lot of Fin games the last couple of weeks. Been mainly playing a lot of Pacal and Mansa Musa games. It is very nice with cottages everywhere for sure. I like the following Fin leaders the most:
Hannibal - Fin + Cha means working up to two extra cottages per city from the start of the game, and on coastal maps cothons are amazing.
Pacal - Gets a similar bonus to Hannibal but needs to build ball courts first. However combined with EXP means working more tiles as cities grow due to being able to support a higher population.
Mansa is the only one who can work cottages right away so I think I like him best (and his UU lets you choke/slow on high levels)? Both Hannibal and Pacal might need 4 techs to even start cottages. On non coastal games I prefer Pacal next because he'll reach max population quite a bit faster.
The ball court, although it is +3Happiness doesn't excite me. You wont reach/trade construction in normal games anytime soon. So as in most games you'll just use luxuries from expansion and trading for resources. Now in isolation and no happiness it's great
.
And Imo CHA is not nearly as wonderful as it seems. You won't actually be working 2 extra cottages from the start of the game. Not at all. Gotta take into account the time it takes to get monuments in place, not to mention how long it then takes to grow to whatever your happy cap is. And then of course factor into what tiles you can actually work (still need to wait for border pops in lots of cases). Actually, some EXP leaders who pick up some early luxuries through quicker expansion might be working many more tiles (although w/out the FIN bonus). So imo, Pascal will normally work more cottages because he can grow/expand faster.
As far as CHA leaders go, I actually think Washington is the strongest. Exp gets granaries in place quickest and then you can whip whip whip and then whip some more because CHA gives you a higher ceiling so to speak. Anyways, lot's of potential to mass lots of early units (early rush or simply massing settlers/workers and or infrastructure).
I prefer Willem and Mansa as my two favorite FIN leaders. Also, although they're not FIN you can have some nice early cottage potential with leaders like Mehemd, Hatty, Giggles, and Louie. All can start making cottages asap. With an Agriculture as food Mehemed can really start off fast.....just go Pottery and build a granary while making some cottages. Not uncommon to reach 5 population at 3000BC as you're throwing down cottages and building your 1st settler.
And about the previous post............SPI is amazing on Deity (AI demands). Below that I'm only soso on it.