It seems that encounters (both for RTL and SOB) don't give much incentive to complete them unless they involve a lieutenant (which gives the most XP and sets back the overlord) or a green shield (which is the easiest to do). Since yellow and red are progressively harder they should offer more rewards. So I thought up the following:
Green shield encounters give 2 XP and 100 coins for killing the leader. (as normal)
Yellow shield encounters give 2 XP and 200 coins for killing the leader.
Red shield encounters give 3 XP and 200 coins for killing the leader.
Lieutenant encounters give 4 XP and 250 coins for killing the lieutenant.. (as normal)
Also it makes little sense to roll random dice for each color encounter when looting. At copper level you could wind up getting 400 gold for a green while getting only 200 gold for a red depending on dice rolls. So instead replace the die results on the chart with the color shield of the encounter instead :
Color Copper Silver Gold
Green 50 coins 75 coins 100 coins
Yellow 75 coins 100 coins 125 coins
Red 100 coins 125 coins 150 coins
I think this would give a little better incentive to do encounters. Any thoughts?