FIN/ORG does not only give you the possibility to easily spend 100% of your commerce to science as with any other financial leader. It gives you this opportunity with a FAR BIGGER Empire than any other leader will be able to establish as early as a FIN/ORG leader can do! So, both traits are strengthening each other, aren't they?
I think you are making the mistake of assuming that Organised does something for your distance maintenance.... remember that it's only your civic maintenance that it reduces. The cheap courthouses, while nice, don't really factor in as much as you seem to be implying. What it does is cut the costs of your civics, which in the early game, I don't find to be a problem at all - I just keep expanding anyway until I get what I want, then I sort my economy out.... organised wont have made the slightest difference by then. Late game Organised takes on more of a role.
In regs to PHI/IND:
1. Engineers cannot be hurried early game!
2. even Wonders need to be build first! If you are a little faster than others doesn't mean a thing in fact! Some may start earlier, some may have a stronger-production city, some may have stone or marble which you don't have or whatever!
1) What do you mean that Engineers can't be hurried in the early game? My first GP is normally an engineer - with some tweaking about, I can normally get the first 3 GP's to be Engineers.
2) Rubbish. If you want that wonder, you will get it... you make it sound like it's all up to the whims of fate. You can control all of the issues you mentioned.... perhaps it doesn't suit your style of play, but you most certainly can do all of the above. When you factor in the incredible lead you can get via bulbing, you definitely hit the wonder-tech first, it takes you half the time to build the wonder, and you can ensure that you build it in a valid, high production city. The AI just doesn't have the same goal oriented ability as a human.
There is MUCH more to building a wonder than only have the industrial trait. Which is in fact the reason why I nearly never play with IND-Leaders at all, except maybe Roosevelt sometimes. So successful IND-playing still depends on a lot of Maybe's, which in fact are NOT in total controllable by the player, in total opposite of FIN/ORG. In my opinion FIN/ORG is the STRONGEST Trait-Combination. PHI/IND would not even be second. Believe me!
With respect, if, as you say, you never play with IND leaders then you clearly aren't pursuing the appropriate type of strategy pointed out here and therefore, as you have shown, you don't understand what is and is not possible wtih this combo. Successful industrial playing does not count on any more "maybes" than any other type of game. Humans are better at goal oriented processes and I can assure you that my gameplay is better than the AI at this.
Again, you haven't tried this combination and you really don't seem to understand the strategy you would use for it...
You also don't seem to understand Organised even though you are claiming it and FIN are the strongest. I think wecan safely say that your playstyle works best with Financial, that's not a problem and not really at issue here. It is however, a different playstyle to the one being outlined.
Instead of theorising about it, why don't you go and mod in the IND/PHI combo as an exercise in learning more playstyles in the game.... take some notes from people who are saying it is strong (i.e. run a high production, specialist economy). Reallly give it a good try, not a half-assed attempt, then come back and give an honest view on your experiences rather than making unfounded observations and remarks.
People are looking at this on paper, missing half the point and then declaring their observations as truth. All I am asking is for those people to give it a try and judge from their experience. Don't get me wrong, I love this combo and it is a lot of fun, but I can really see why it's not in the game.... FIN/ORG doesn't come close!!
