How about you add more options? Like Very low risk and very high risk? That would allow low-skill infils to enjoy the class they've chosen already, get a little preview and training and allow very skilled infils to risk it all in order to do major damage to a region, or a noble.
On banning, I completely agree that it's a bit ridiculous that you can be banned for burning down a granary yourself but not if you order your men to do it. Who *really* cares about one granary anyway? In the greater scheme of things, it's not worth a ban I think.
