is there anyway to combine multiply armies rather than just losing the troops if youj have too many armies?

nope. Sorry.

You can delete the armies, at least.. used to be you couldnt do that.

Though on my future list: splitting(we had that before) and merging armies.

I am a big fan of an army merging feature. especially since currently, the more armies you own, the larger the upkeep will be for each army.