I've tried a couple of battles in Shogun 2 multiplayer, where you choose a province and fight against another player with a fixed budget for your army, starting at 5000 koku.
My question is, are players matched according to a skill level indicator, or the number of bonuses they have to their avatar? It seems that players who have been playing multi-player for a while would have a big advantage as you get retainers and skills from winning battles.