Not high priority and not easy to implement, but I feel that the AI should have a time discount when evaluating yields where possible. For instance, 30 gold lump sum and 1 gpt are not worth the same. Maybe discount it to 25 gold = 1gpt. Same for any other yields. Even rough values would likely be better than what we see now.
https://en.wikipedia.org/wiki/Time_preference
https://en.wikipedia.org/wiki/Time_preference