Non-state religion increases the stability costs largely. As you said, the RR is also lowered. But remember that it's easier to play, less costly in terms of military and gives you less headaches if you choose to build tax collectors(which gives you 75% more of maximum tax, on top of 0% base if non shield province and 25% if shield province, ie 75% or 100% depending on that. Also remember that every province you have gives you higher stab costs, and you'll need those ducats).

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