ya i kinda think too, that financial is overpowered.
I was playing random civ on lakes standard map (wich 6? 7? civ).
I was playing and i was doing good in mid game. And after reading this thread i realised i got perfect englih leader (some ugly b) fin/exp... It is good combo .. First you expand as fast as posible taking all nearby valubale resources ASAP (picking hapiness over health res)). Exp trait lets you expand fairly so you take good share of land , thus resourcer.Then when u establish a base, spam cottages all over!!
. It made me most advanced civ most of the game(except early begining).
I was aiming for liberalism and democracy in mid game. Universal suff gaave me production to those cities, and free speech even more $$ . Forgot to mention, this was emperor game.
Diplomacy was hard.. They were all buging to stop trading with others and such things. This is kind a silly since there is no chance, you can please all. You have to pick sides and there is someone always who you wil make him mad. My tactic was not to make very good friends/very mad enemies, but keep em all half mad/half pleased.
This is , because i never experienced any benefit from a friend AI civ. If you are a tech leader, you dont need them. Due to fast expanding, you gained resources so you can trade even more, and that gives you even more happines/health. I was reading some ppl say that expansive sucks since the hapines is the prob. Well if ur expansive, you get more land then usual, thus more reources, + more resources to trade.. increased realtions, etc.
anyway , all victory conditions were ON. So in this case the easiest(and only) way to win was spaceship. Domination or conquer is out of the option once you have spaceship in. This is kind a silly to me but thats how it is. It should be like when you check "spaceship vic allowed" , there shud be automatic uncheck on conquest or domination , since its imposible, at least on emperor.
Anyway on next empror game, im turning this stupid spaceship off. It makes game boring and the games ends too fast. 1940 or sth.
Anyway at diplomacy I didnt manage to stay out of war. The f Saladin attacked me from the right side with biliion cavarly, and i just got infatry.
Well to be honest, i had to load 2 times

. I went 100 year back and he attacked me at same date. Only that time i didnt have 3 defending tropps (redcoat or inf) but i needed about 7 of them in the exposed city, less in other 2. + defending wars are expensive too. And its not easier since, you get pillaged all ur towns and eveyrthing. Good thing is Ai is stupid and he only pillages untill he comes to city, then just attack.
True he had cavarly but, under military politics, he build upgraded cavarly, which were beating my 1 upgrade infatry.
And about techpace, Of course it is fast since AI researches much faster then you + tech trading. Ye but still, its a little too fast, but not too much.
If ur running 90% research fund most of the game then yea, you research all fast, but if ur making lot of wars meanwhile, then techpace is ok