In my experience, game developers and designers can never play as well as the hardcore players. If they can't play as well as the top-level players, how are they going to program the AI to play that well? They just aren't.
Sorry, but that's just an absurd argument. The creators of the chess engine Rybka or Fritz are sure not grandmasters, but they programmed engines that can beat even the top ranked players on current hardware. Conversely, if you ask good chess players (or civ players) to sketch down an algorithm of successful playing, they will fail.
Programming and playing are two separate skills, and on current hardware, it's currently impossible to program competent AIs for such complex games as Total War series, of CIV. Why is that so? Because human brain and computer hardware works differently. Human players use a lot of heuristics (this town seems, vulnerable, that formations looks okay) that is next to impossible to program. Also, humans have adaptive intelligence, they are constantly improving from experience, something current AI's fail to do. Human intelligence is also heavy in associations, parallelism and pattern matching.
AI's, on the other hand, basically depend on series of triggers - if this and this is true, do that. Which means they are rigid and inflexible - the humans quickly learn to create situations where the rigid triggers react incorrectly, and exploit them (worker bait). Without adaptive intelligence, that is impossible to counter.
AI's are good at games that can be solved by brute-force searching (chess), and where reliable evaluation functions can be defined. Chess program use one-dimensional evaluation, positive number means white is better, the value says how much better. Try to do one dimensional evaluation for CIV! Is the dimplomatic relation more important than my lagging research? Should I spend these 100$ on rushing a new swordsman, or should I present it as a gift to my neigbor? These are the dilemmas AI's have to solve, try to write an algorithm and you will see there will be problems.