im playing tokagawa on monarch and I just conquering my neighbours with mass samurais + some pikes, pults, war elephants... Samurais are pretty efective, even tho it seems they come very late cuz u need all that nasty techs (civil service, machinery).
Tokgawa is agr/org... Its a combo to try, since war civics are they expensive ones (vassalage, theocracy... ) and since I am organized, I need to use expensive civics as much as possible.. Even tho , one might seem worse then the cheaper ones, you can still use the expensive and pull out of them whats best. So theocracy and vassalage give me super units for conquering, after having big empire you need corthouse/forbiden palace, which might lower your costs pretty much faster..
In was I was paying about 22gold for civics (instead of 44)
and inflation was 30%, so acounted together I was paying 28 gold less.. + faster lowering cost with courthouses..
But still, to make best use of org trait you really need to play archipelage or sth, since i have only few coastal cities, and im not making adv. out of lighthouses.
still think organized needs a little buff.. maybe covering 25% of the city maintaince, since they are "organized" .. But i wudnt change much these traits cos of a butterfly effect..
But thing is , Tokagawa has Samurais, and i wanted them, so i get this organized trait with it and make sth out of it.
overall , after playing a bit with both traits, still think in overall financial > organized.. But its not easy to say such things since it depends on style of the game, what vic you wanna achieve, etc..If your aiming for no cost civics most of the game(in other words- you dont want to have single war in a game)... then org might just suck
financial seem to work more in peacefull games, while organized in oposite