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There's a light winter game rule for a significant reduction in winter penalties.
It helps to reduce expenses as much as possible, the AI is modified by seasons to be less aggressive and rational rulers are significantly less likely to go to war in winter, so reducing men at arms is safe, In Autumn I also recommend building as much of a gold stockpile as possible since Income is highest then. In Spring you should get a boost to men-at-arms recruitment to makeup for any austerity measures in winter. There's also a winter tax option that increases income by up to 40%, but it comes at the cost of either popular opinion, vassal opinion, or both. (And your vassals have less income)
I own north and riverlands, in winter my income drops to 10 gold(so I lose 20-30 gold per month with expenses) is this normal or is it maybe result of submod incompabilities?
is there any game rules I can change to reduce the penalties?