Re: does religious *need* the talisman?
Problem: You can only use ONE mount at a time. If you use a 'special' mount you can't use the standard mount at the same time. I hope MM will fix this in SE V so you can have many modifications of a weapon just like in MOO II.
I still recommend that the Talisman be given a negative defense modifier, and maybe event the armor ability so it will tend to get hit earlier.
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