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I'm catching up on the naval missions and so far all of them listed the route's risk rate (starting at 80% and going down as I finish missions) and the reward (lowering the risk by 25%).

Why does it matter? Does it somehow affect the rest of the game?

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up vote 3 down vote accepted

Eventually you'll be able to construct naval transports (this is why you have "land convoys" instead of just "convoys") - the risk on your routes will apply to trading runs in much the same manner as with wagons.

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