It is my belief that if you're going to implement a system like this that the workers (peons, whatever) that you mention are, in fact, needed.
Certainly we can just make these things implied and fire off messages in the settlement vicinity to make it appear as though they exist. What happens, though, when the player wants to kill some of the workers? Or stop an enemy settlement from growing by killing off the builders?
Player A is a nasty murdering thief. Wouldn't it be more fun for Player A to actually have, say, a mobile that has spent the better part of its day collecting gold walking with a couple buddies down the road home. Player A jumps out, manages to strike 2 or maybe all of the workers down, and runs off with the loot. The settlement grows suspicious of where their workers are disappearing to, or maybe the one worker reports what has happened, and guards or hired mercenaries get sent out for protection. None of that would be possible in a setting where the mobiles, gathering, building, etc are implied.
Lotius
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