And how do the owners get the points? And certain fiefs have certain items in them?
Villages start with a lot of points (400?), but only gain 1 per day. Castles start with less, but gain like 7 a day. Towns start with none, but get 10 a day. And certain fiefs have certain items upgraded, but you can buy any item (some will be -2 in quality).
Also, to all:
When you are buying gear for your armies, stick to the gear listed in our clan's gear ... list, yeah. That's the stuff that will be being upgraded in our fiefs (some of it). So Chide for light tier, Burglen for medium, Kelredan for heavy. The light body armor you should be getting is the +2 Gambesons from Chide, but don't forget to actually get some weapons too.
Now for fun: