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does Fleet Training have any effect when you are using the tactical mode ? If so .. I assume that you have to keep your formation(s) together to get the benefit.
Fleet Training does count in Tactical, but AFAIK the ships don't have to stay in formation. I could be wrong; it's never occured to me to test that.
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I have been breaking them up at the start to better observe how the individual components behave.
Having all ships break formation often improves their battle performance. Trying to stay in formation when the leader changes direction can really mess things up, especially in tight formations.
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Also, when you "dismiss" a fleet .. does that fleet lose all of its experience ?
Yes.
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I notice that there are planet descriptions such as "thought to be the final resting place of two ancient cultures" .. but does not contain ruins. Are there stories in this game ?.. or is this just "colour".
Just color. Ruins always have a standing stones icon, and appear in the (F4) Planets/Special window.