I think militia should have negative effects proportional to region density and type. Militiamen with guaranteed income and nothing to do would commit crimes and gamble and drink, no? The effects are magnified in a city, where they can gamble, harass peasants, etc, vs woodlands where they would be more isolated, versus a stronghold where they would be basically confined to the garrisons and the walls.
Make the negative effect a decrease in all stats at varying rates according to some set of parameters. Attempting to make militia a gold sink won't work with current gold levels.
