If you're playing OCC on islands you need a big fleet. If you loose fleet, you loose food and fall behind beyond recovery. Also your only city is building something more important such as factory or research or land units or additional destroyers.
Im playing 1 island per player games at the moment and a fleet is SO vital, i wasnt too happy in current game to find that due to the feature of 'galleys can move into ocean if in cultural borders' i had monty as a very early neighbour
It was about 6 turns after meeting that he decided to start demanding tributes
