yes you are right .
When you are around level 26, you have not cleared your island from bandits yet. And you dont know the game well enough to not build the combat armory and barracks. You just do the quests. But that more or less kills the game for you. It consumes a huge lot of building materials and all your iron. End result is that you hate it even more than you would have done- if the quests waited - say 20 levels.
It annoyes you to look at the 3 marshall you used a lot of your too few coins to get, not really knowing what they were for. Have used the tutorial expeditions to get the marshalls off my island and back in the star, but I would love to be able to dismiss them.