I wasted 20 minutes manually fighting a battle, Total War Warhammer 3, when a 20 stack enemy army attacked a settlement that was only defended by a 10 unit garrison. I did better than expected, but a loss is a loss.
The thing is, I sort of let them have the settlement. We're playing a High Elf campaign on Normal difficulty, which is completely screwed up. The AI is hyper-aggressive, and so, to get the full impact, I picked the Dragon Prince, who starts the game surrounded by two Skaven factions and two Greenskin factions.
So naturally they all declare war on me before I even have a full army. Some Skaven come down and sack one of my cities, and I realize that I need to go on the offensive, so I create a half-arsed army to stay home, and I send my main army north, where I take two out of three settlements of a province.
I heal up and head for the third city, which is walled, and here is where I made a horrible mistake. Because I'm playing co-op, I try to manually fight as few battles as possible (not counting the one mentioned above), so when I get to the city and attack, the game says an auto-resolve would be a close victory. I go ahead and take it, but there is an element of chance in this, and I lose a lot more strength than I had expected. The next turn, a 20 stack army starts sieging me. I test the idea of sallying forth, but the game says I'll lose. Obviously, I'm not going to just starve to death in the city, but I decide to leave my home province unguarded and bring the second army up to make sure that I win the battle.
So the second army moves closer and comes across some Greenskins getting ready to attack the aforementioned settlement. There's no guarantee I can beat them with my "value" army, so I march right past them and let them attack the city.
And that's when I wasted 20 minutes of my time. If I had just spent 20 minutes fighting the battle at the walled city, none of that would have happened,. Now I'm frantically building a 3rd army, but this time I'm not worrying about budget because this army has to win.
It's pretty awesome. I wish every Total War game was like this.
There's very little chance I'm actually going to lose. I spent all my efforts in the early rounds emphasizing growth, so the city where my third army is mustering is walled and has a nice garrison, and I can now one turn recruit dragons thanks to the faction I'm playing. Just got to weather this storm, then I can blitz them.
Now, could a couple of human players working together knock me out of the game right now? Absolutely. But the AI, while crazy aggressive, isn't smart enough to know what to do to get rid of me.