Heh. 3.5 it is.
Hm. Silver Rule does cover that... on the other hand, it also allows more powerful critters sooner, and cheaper. It makes things more accurate, but if we're going to be COMPLETELY accurate, I note that he has modifiers for "PCs are unashamed muchkin powergamers" and I'd probably have to distribute those around liberally (heehee).
Anyway. So we have evidence that PC classes are actually overpowered compared to monsters of equivelent CR under the Golden Rule. Bother. Well, I'm going for as much precision as possible-- if I'm going to allow fractional CR+/- for equipment, I'd probably be a hypocrite not to use the silver rule here.
Okay. Switching rules to use fourth column. If this gives anyone extra points, go ahead and use them.
On the subject of Miniature Handbook--
Yes, I can see that it DOES provide some extremely helpful classes for this sort of game. On the other hand, I can also see that it encourages large numbers of units (stated design goal for this game) and also encourages them to stick together within a close range... which you'll note makes them easy pickings for any mage with a fireball. That sounds like it will REALLY hurt. Catapaults too, if any are purchased and used, will hurt this style of play.
I think that balances it pretty well. And of course, two Marshals can't be used alongside each other, because Auras don't stack. And they're very visible targets for assasination.
I'm only allowing things on a case by case basis, though. I don't have the miniature's handbook, so I don't know about anything else in it.
On the subject of Moral--
What do people think about giving armies a "Frightful Presence" value?