[Hugh Manatee]

*only has dom2 but also has this issue*

I'd like to spend some of those points on gems. there should be a way to use those leftovers like in Stars!(one of my old favorites).

As I see it it can't be any permanent change, just something to help out on the first few turns. I'd say x2-x3 gold(capped at 50 points), extra troops of the nations starter variety up to the cost in resources equal to leftover points(1 minimum, capped at 50), 1-1 of random gems, or maybe some basic magic items of the first tier of construction(their gem cost determines how many per points and they are randomly selected).