If mass cottages (and farms for some growth) is the strategy a player wants to use, then you have to go all the way with it and have an end-game scenario planned out. I've done this before with Elizabeth or Victoria going up to Redcoats, or with any Civ stopping at either Rifles / Cannon, Infantry / Artillery, etc. anything you think you can win the game with by itself. Oh and anything you need for support like aircraft, nukes etc if you're at that tech point you can build those too, with enough money. So basically, the cottages and their massive commerce/turn generation is everything we have.
You will want to do Universal Suffrage if at all possible because you'll get 1 hammer per town and you can rush-buy units every turn, as long as its been building for one turn so that you don't get a penalty for rush-buying with no hammer investment. Universal Suffrage in my opinion is amazing with massive cottages because you're basically dumping all gold, and pouring it into finishing units in cities every two turns, rush build in the cities that have invested a turn at least. You need to shut down research in order to build up this way though quickly. Or go to a low research rate but, really we should totally commit at that point in the game to either research fast or build a massive army.
If you're doing heavy economy/research with no army, at least you can switch to gold production, cut the slider to 0% science, 100% gold and upgrade one garrison unit in each city against commando units/ mounted etc., plus keep Universal Suffrage active late game and keep some money to instant buy units, like an Infantry or three to hold a city. Actually come to think of it players could have Universal Suffrage, Nationhood, and Slavery all on late game if you really, really want emergency defenders. My style was usually Universal Suffrage / Free Speech / Emancipation / Theocracy though and rush buy foot soldiers in mass with some siege support.
I've done this with Tank + Bomber stacks before also, basically if you have enough cottages you can get whatever units in a short time-frame. The Kremlin wonder helps a lot also.
You can get an army so fast and you don't lose anything except stopping research, you don't have to whip or stack draft anger or anything, its so convenient in my opinion. Ok this was a really long reply, hopefully though that explains a strategy I've used before.