About settlement : I don't like it.
In WH2 we complained minor settlement were too often land battle.
Then in WH3 "we" complained we didn't have them anymore

I changed that in my siege mod
- T1 setltement --> land battle
- T2/T3 --> minor settlement but with 40% for AI to sally out and have a land battle
- level 2 defense builidng --> walled settlement.

About colonizing: I don't like that you don't lose any units. You'd have to place a minimal garrison no? So I'm trying a 10% HP reduction instead of 25%