It makes a difference when your opponent can still field more troops than you, even though you have twice the number of knights. About half of those 38 nobles are youngsters who can command at most 30 troops. Most of the bandit knights don't even leave their cities with fewer than 100 troops.
If you don't even have that much gold, you should consider surrendering.
And what kind of example would I be setting for the new players? To even suggest such a thing... Good day to you, sir!
