You really use horsemen heavily?
Taking on Carthage (or Greece) as Rome: I went in with a roughly 1:1 ratio of horse and legion. Roughly 15 each, I think. I think those were divided into to groups. The horsemen went in first. The hope was they would knock 1hp off a regular Num. Merc and then run away. To my surprise and wonder, that's what happened in most cases. It was great. Then I threw the legionaries at the hurt Mercs, and typically won (4hp legionaries vs. 2hp Mercs... advantage: legonaries).
I don't look at specific cities and decide what I need to take them. I build the biggest force I can muster and keep it concentrated in 1-2 groups. I take a city, put my troops in it and wait until they are healed (1-2 turns). Meanwhile, resistance should be quelled. I will either rush a spearman or bring one from home to garrison the city, and then my attack force will move to the next target. Concentrate your forces. The AI doesn't, and thus cannot properly counter a human invasion. Every non-capitol AI city will have the same garrison (on Regent, it's probably 1 spear/1 acher or 2 spear/1 archer. Outliers have less, "core" cities may have more. The capitol probably has 3-4 spears and an archer).
How to properly engage the enemy. First, assemble your forces on the border. Position them such that the horsemen can attack the city directly if possible (1 move, then attack). If you can't, so be it. Declare war and march in. Keep your horsemen and legionaries together at first. Keep to good defensive terrain if possible (forest, jungle, hills, mountains). If this is early in the war and you therefore have a goodly number of horsemen, you may wish to launch your attack with them then next turn (still out of range for the legionaries). If you have the numbers, you will take the city w/o legionary assistance. I will do this if I am march up an enemy road (with legionaries as cover, I'm not as worried about good defensive terrain for my guys... 3 defense is hardcore). You don't get the road bonus while it's in enemy territory, but if you horsemen take the city, it's now in YOUR territory, or in neutral territory, and your legionaries get the road bonus, allowing them to move in and protect the newly conquered city.
Otherwise, I must march my stack of troops up next to the AI city, making sure my attack will not have to cross a river (+25% defense). Again, horsies first, legions to finish wounded enemies.
-Arrian
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