Hardin
Chieftain
That's what I meant with giving Col some time.
But still, the REF issue is being blown out of proportion, from my point of view. They come in waves, not all at once, and your troops are superior due to rebel sentiment and terrain bonuses, both of which royal regulars completely lack. You've time to heal your men inbetween waves, so if you hold the line, killing 500 is the same as killing 1000.
I'm guessing some people are getting intimidated solely by the REF's numbers and quit without actually trying to fight it. Then they come to this thread and fuel the potential exaggeration. Then some others get intimidated by these complaints and don't even bother with getting that far, as they assume the King's forces will inevitably own them no matter what they do.
I fought them several times and they always kill more of my troops. There ships and cannons bombard my colonies until it has no defense bonus left so defense doesn't really work, but I can't attack them either because the odds are always extremely low.