Settlers is a great game, ill admit that.
Currently, this game has a few bugs. Every 10 or so minutes it will freeze for 20 secondsunless updated to patch 1.3, which also has a few bugs of the auto-save feature deleting your gold and acheivements. (Used for unlocking new items)
Paying for a faulty game that has many annoying bugs is well.. annoying, If you really want this game keep updated on the Ubisoft patch info and wait for them to be fixed.