[quantum_mechani]

Many of your points are valid- lots of gold without a good outlet doesn't do much good, taking sloth is not the best option for some nations, drain is useful mine when you need points - but I absolutely cannot agree that order 3 is not optimal in all but the most unusual of situations. While it's true it is possible to find yourself in a situation without a good gold outlet, that is very rare. Almost all nations can channel gold to immediate and significant effect- either buying the better mages that can boost research and provide an ace in the hole in battle magic, or simply worthwhile troops (this applies even for nations that benefit from prod- they benefit even more if they can afford more heavy troops). And as other have pointed out, even when supposing you have sufficient gold for your mages and troops of choice, building forts with gold is an almost universally worthwhile application.

This is not to say you cannot be quite successful with turmoil 3, with any nation. Obviously the gold available to each nation can vary a great deal, regardless of scales, but that in no way implies that stacking the deck against yourself is a good idea. The bottom line as I see it is that order is such an all purposely useful scale, that realistically there are very few things you could sacrifice those points for a better return.