So I decided to do the math on how dearly a garrison in a country sells their hide when they get overrun by insurmountable odds.
Calculations:
Spoiler
Using http://gamesbyemail.com/games/gambit/battleodds to calculate the odds of killing a certain amount of troops, multiplying that with the number of kills to get the expected payout value, cutoff being at odds below 0.01% - rounding up to compensate for cutoff:
1 Army:
22.44888+7.63886*2+2.59933*3+0.88450*4+0.30097*5+0.10241*6+0.03485*7+0.01186*8 = 51.52073 = 0.52
2 Armies:
22.15194*1+18.41125*2+9.04587*3+6.25932*4+2.94352*5+1.93233*6+0.89556*7+0.57704*8+0.26599*9+0.17018*10+0.07828*11+0.04994*12+0.02296*13+0.01463*14 = 154.40552 = 1.55
3 Armies:
20.82263*1+17.45058*2+13.24014*3+8.47158*4+6.08722*5+3.50493*6+2.44270*7+1.33054*8+0.90991*9+0.47910*10+0.32352*11+0.16651*12+0.11144*13+0.05643*14+0.03752*15+0.01877*16+0.01242*17 = 230.38946
4 Armies:
16.46582*1+17.87559*2+14.03881*3+12.00185*4+8.04583*5+6.27345*6+3.86366*7+2.87007*8+1.67600*9+1.20846*10+0.68031*11+0.48075*12+0.26348*13+0.18351*14+0.09853*15+0.06788*16+0.03586*17+0.02449*18+0.01277*19 = 320.25949
1 Army:
22.44888+7.63886*2+2.59933*3+0.88450*4+0.30097*5+0.10241*6+0.03485*7+0.01186*8 = 51.52073 = 0.52
2 Armies:
22.15194*1+18.41125*2+9.04587*3+6.25932*4+2.94352*5+1.93233*6+0.89556*7+0.57704*8+0.26599*9+0.17018*10+0.07828*11+0.04994*12+0.02296*13+0.01463*14 = 154.40552 = 1.55
3 Armies:
20.82263*1+17.45058*2+13.24014*3+8.47158*4+6.08722*5+3.50493*6+2.44270*7+1.33054*8+0.90991*9+0.47910*10+0.32352*11+0.16651*12+0.11144*13+0.05643*14+0.03752*15+0.01877*16+0.01242*17 = 230.38946
4 Armies:
16.46582*1+17.87559*2+14.03881*3+12.00185*4+8.04583*5+6.27345*6+3.86366*7+2.87007*8+1.67600*9+1.20846*10+0.68031*11+0.48075*12+0.26348*13+0.18351*14+0.09853*15+0.06788*16+0.03586*17+0.02449*18+0.01277*19 = 320.25949
1 Army : 0.52 killed / defending army
2 Armies: 0.77 killed / defending army
3 Armies: 0.77 killed / defending army
4 Armies: 0.80 killed / defending army
Conclusion seems to be that leaving behind 2 armies is about 150% more effective than leaving behind 1 army. After that, addition armies have very little effect until you start to reach equivalent numbers to the attacking armies.
Ideal defensive set up then, would be to have one stack which is as large as possible, leaving 2 armies to occupy the lands behind.
Given that it trades at a loss, this brings us to the next question: Under what conditions is it profitable to take an army from the garrison and contribute it to an attack? (in maps with less restrained reinforcement rules) Maybe next time.





