Useful tips for gold will help you on how to make fast in Mount & Blade II: Bannerlord. Trade Goods Price Range Guide How to Conquer the Castle (Besiege) Save File Location How to Complete The Spy Party (Walkthrough) How to Win Tournament (Useful Tips) How to Change Difficulty Main Questline Guide (Search, Banner, Empire)

If you want a more intense game, up the difficulty across the board. But if you want to focus on campaign map strategy or politics (or just prefer a more casual campaign), lower the difficulty settings so those pesky battles are less distracting.

In my game it says " (Engineer) Max difficulty of the siege engine that can be built: 194.0. My engineer skill is 194. I am guessing it changes based on the characters skill. Since I do not have the same text as you I cannot do any kind of guesswork as to what it means in your instance.
To answer your immediate question: It's hard to say since your playstyle will likely differ from others. I personally enjoy taking damage and getting knocked out in fights if I pull a stupid stunt so I've always played on Bannerlord setting. This also helps level up your Medicine skill.

The way AI acts in the field doesn't change with the difficulty setting. They'll still go for the same targets, feast at the same time, and run away from 200 men when they have 800 scattered over 10 lords. mumblegrumble. Instead, the Campaign AI setting changes some numerical values, like the amount of gold lords get per week, troop wages, and

Scouting, Tactics, and Roguery can all be learned and used by your Companions so they are all useless to you making Cunning a bad stat and focus a bad idea. Charm, Leadership, and Trade are all good skills and you'll use them often at varying points in the game so definitely put stats in them, and for an optimal start you will already have lots
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  • mount and blade 2 best difficulty