Thanks again Realest; I really appreciate the thoughtful and well-reasoned answers.
I was slightly worried of an opponent T/M MV'ing off my NB and casting storms after that. If done well, that might be a real pain to the max-gains strat. Though, ultimately it's up to my kingdom to weigh the odds of that happening, so I don't expect you to respond to this :)
Your answers sound great! .. I also remember your comment about Merchant personality being active 24/7, while the usefulness of Shepherd (and Cleric, etc, for that matter) bonuses can really vary depending on circumstances. So yeah, Merchant does look like the clear winner now.
New question: What is your approach to oversending on attacks to improve chance of success (in both the cases of either using intel taken by halfers or otherwise)? More specifically, by what % do you oversend in each situation? As far as I know, many players are quite confused over this issue, and consequently bounce some of their attacks without really knowing what they did wrongly.
Also, how important is it to use halfers' intel as much as possible?