I figured I'd give homm III another try after a very long break. Back when I used to play the homm series a lot I was like 10-13 years old, and I never got that good. Now I'm doing better, but I still have problems playing against higher difficulty AI opponents. I can win hard mode opponents on small maps, but the XL maps I've downloaded online tend to get too difficult for me even on hard mode. The map difficulty of these maps is impossible, but this should not effect the AI difficulty, right?
Anyway, to the point. I never played wog before now, and I was wondering if it's worth demolishing towns to rebuild them as the same faction towns as your main? I tend to have huge problems getting enough gold when I do this, and as an example, in the last game I played I had 4 dungeon towns, and each town had like 3 months worth of creatures or more all the time. I just can't seem to find a way to get enough resources, and so I'm wondering if I'd be better off having a few towns just to gain some more gold and not waste the money on demolishing everything? I mean it's frustrating when I get to an azure dragon shrine and can't afford to buy more than 1-2 azure dragons, and then a week later the computer goes there and buys like 18 of them. I mean that's over 500k gold, how does the computer manage that and still keeps producing units in it's towns?

I relize it's hard to give advice with such a vague explanation, so I'll try to explain a bit more. Assuming I play on hard mode, I tend to buy 3-4 heroes the first turn, and then roughly one more every other week once I explore more of the map. I tend to have most of my army on 1-2 heroes because the neutral monsters are so strong on impossible, which means even slower progress. I usually reload to an earlier save if one of my weak heroes gets ganked by bandits (which I suppose some would consider cheating

That's pretty much all I can think of right now. Any help would be appreciated, thank you for your time.
EDIT: nvm, found the option now.