If you want to know the exact upgrade discount the AI gets, just open up .../XML/GameInfo/CIV4HandicapInfo.xml. On Monarch, AI upgrades at 20% of the normal price. Yeah, it's roughly free upgrades - if I had the same upgrade discount, I probably would be able to upgrade all my units on the turn I get the tech. I probably would plan my gold reserves for the goal though, as currently I create upgrade gold reserve only when I reach techs where I know I want to upgrade some units, most of the time running way lower on gold than the AI does.
No, I don't call you stupid. You I might call a troll, but definitelly not stupid. And yes, I'm feeding the troll knowingly here
The AI OTOH I do call stupid. Because the stock AI *IS* stupid. And as I said, Blake is on it already. You might want to do the following:
- Find "Better AI" thread on the forums.
- Follow links to download the "Better AI" mod.
- Follow instructions to install.
- Play at a level or two lower than you used to.
- When you have a good feeling about the AI, grab that CIV4HandicapInfo.xml file again, and modify the bonuses per difficulty levels so that the game is again balanced at some difficulty level you find reasonable.
If you think it's easy programming an AI that has a) personality and b) plays well enough to not need massive advantages over a skilled human player, then please go ahead and prove it by doing it. If you aren't a programmer (few people are, afterall), then just please provide exact decision paths the AI should be using and maybe someone (like Blake) could look them over and see if they would be useful for programming a better AI.
No, I don't call you stupid. You I might call a troll, but definitelly not stupid. And yes, I'm feeding the troll knowingly here

- Find "Better AI" thread on the forums.
- Follow links to download the "Better AI" mod.
- Follow instructions to install.
- Play at a level or two lower than you used to.
- When you have a good feeling about the AI, grab that CIV4HandicapInfo.xml file again, and modify the bonuses per difficulty levels so that the game is again balanced at some difficulty level you find reasonable.
If you think it's easy programming an AI that has a) personality and b) plays well enough to not need massive advantages over a skilled human player, then please go ahead and prove it by doing it. If you aren't a programmer (few people are, afterall), then just please provide exact decision paths the AI should be using and maybe someone (like Blake) could look them over and see if they would be useful for programming a better AI.