For all I know, when the !@#$ hits the fan, courage doesn't matter. You fight or you die, it's that simple.
Amen!
As to the suggestion I think what you are trying to say has validity, but when you take into account both cohesion and morale, that will pretty much take care of the "courage" trait. For instance if too many units get wiped out they run away from battle... with courage they wouldn't I'm assuming. But with banners they don't run either as it gives something to focus on.
