Re: Excess design points
I've posted the same idea previously - even 1 gold per design point would be _something_. Especially since many times when starting, you're just 15 short of being able to recruit the commander and units you want, or of being able to hire a particular mercenary.
I think 10 gold per point is too much though. You normally start with 400, and by dropping 20 pretender points you'd get an extra 200 gold?
Having an extra 5000 gold (even capped at 1000 as suggested) would be obscene - recruiting all the mercs, maxing production, building extra castles. It'd be bringing the, mmm, 'berserker rush' to Dominions. Nations with strong troops (like Ulm) or very good non-capital mages (Caelum) could easily take a stab at steamrolling over everyone before anyone else could get started.
I'd suggest more like 1 or 2 gold per point, for a maximum of 39 points. (The most you would ever be _forced_ to throw away, as you can always add a scale for 40.)
Anything much greater than that would have the potential to be rather imbalancing, imo.
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