muttly13: The point was in fact that all the advanced settings on makes it "easier". Skipping autocalcs as you mentioned makes the game on any level a breeze as its exploitable. So the toughest setup in my mind...
Advanced farming - Off
Fog of War - On (inconsequential really, it doesnt do much.)
Army Forage - On
Only combat Human opponents - On - Essentially in a one player game this forces an autocalc on any field battle. You are on your honor to autocalc sieges.
I agree that Advanced farming off AND Army foraging AND autocalc battles is the hardest possible setting; since I play for fun, I count Advanced farming as requirement if Army foraging is considered to be turned on.
Autocalc battles... uff, I so hate that, it's stupid linear and... I so much enjoy the (yes, often ridiculous) tactical advance... (btw, the "retreat" option is, I would say, broken; what it does, it neglect anything that happened in rts mode and autocalc the battle instead).
I go the other way, I have, basically No Loses policy, if I ever lose more than 16 archers in any battle, that can be grounds for reloading a save. As is losing more than 15% of swordsmen supporting them (my typical "small" army consists of archers and swords in proportion from 1:1 to 3:1), mace and pikemen mercenaries are the only trow away forces I allow, and buy at every opportunity. I never lose a single crossbow; while my typical full 1500 men army includes Norman Crossbowmen as a required regiment.
I take my time, and enjoy counties with all fields, great economy, and I play with taxes to move population from maxed out towns to where I need people, and produce knight armor for sale in backwater corners. Yes, that's at a point far beyond any debatable win conditions.
The final opponent is often starved out of his castle by invading his last county with 3 columns consisting each of peasant scout regiment(s), independent maces regiment, full 1500 men army of standard structure, mixed reinforcements unit that never see battle itself, and optimal rear guard unit. Thus, something over 5k men. At once. With army foraging on. Then, the very final battle I autocalculate. (Well, I sometimes do autocalc for the 1500 men army against a band of peasants or something alike, but if Norman Crosbow company loses more than 8 men the whole regimen has to be replaced, there no way to reinforce that. )
Sometimes I take pride for never burning a single field in the whole campaign.
Sometimes I even allow myself to scout and harass enemies with one peasant armies (easy to figure out exploit, using garrison and zero game speed, and yes, that's a cheap cheat, as is save scumming, of course).
So, yes, I don't really talk about challenge here, but I have a good time anyway.