So, if it is a problem that people tend to make huge blobs of units and crash them at the enemy, something should be done about it. Everything in the game seems to scale so that it is always better to split a huge blob into smaller ones - like it is more efficient to have many estates than a single large one, or many different units instead of one huge. But the question then is essentially how to change this so that the same is true on an army level.
Sure, there are methods already there, like crowded roads. But that is a hindrance, not an encouragement. Would we perhaps benefit from such encouragements, like giving more power to raiding parties somehow? What if it somehow hurt more to have enemy troops present on a number of regions? If you only march your troops in one or two enemy regions, no problem, the population can take that. But what if there were increased morale penalties throughout the realm if many regions were simultaneously under attack? All you need then is a small force to cross the border and spread around the place, so you only need a little bit stronger force to counter it, but then.. and so it becomes a game of guessing what the other will do.
This proposal probably has its problems and it may not be a perfect one, but perhaps we could think of more ways how it would actually be beneficial to split the forces most of the time. When conquering a city, you might still want to blob it and that would perhaps be fine, but for the rest of the time it could be different.