Holding land as a minor faction: Balanced option or exploit?

I have been wondering:

Is holding land as a minor faction (without being in a kingdom at all, be it as vassal or king) an intended gameplay feature?

It has one major advantage: Nobody will decleare war ON you, but you can still attack others and later make peace. So war is entirely on your own terms. (Maybe this is an oversight and will get patched?)

But there are also drawbacks compared to being a proper kingdom, that somewhat balance it out:

- no policies

- no armies

- no recruitment of additional clans (you can still have your own clan parties though)

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submitted by /u/Karazack
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