essentially that is correct.
similar logic also applies to city defense.
i've been plundered less than 1x per week in the nearly 2 years i've played. most people i know have similar reports.
plundering is very rare in this game. the game is designed to protect players. (can only be attacked by people in hood [not anyone in the game at anytime], can only be attacked and plundered by a person 1x every 24 hours [not multiple times per day] , random rotating hoods [so players cant stalk and plunder the same players forever], hoods based on tech tree advancement [so players a lot higher in ages cant attack lower age players, etc.]
the amount production an active player loses from having defensive structures in their city in most cases, far exceeds the amount they would ever lose from plundering.
meaning, players who fill their cities with defense structures are very likely 'plundering themselves' WAY more than any aggressive neighbor ever could.
when someone puts defense structures in their city, they are surrendering 100% of that lands production capacity FOREVER, in exchange for a small % increase in the safety of the rest of their production land. they are doing that 'just in case' all the stars line-up and someone decides to attack and plunder them at some point. [it might happen]
example: i can have 36 watch-fires in my city, and that land will never produce for me, EVER. my enemy essentially owns 100% of that land 100% of the time [forever] because i'm playing scared. OR i can take out those watch-fires and put in 5 sacred sky watches that produce 35fp's per week.
even if someone plunder 1 every day. i still gain 28 extra fp's for my city. i own/reap 80% of that lands production capacity, my enemy only owns 20% [until hoods change]
same with goods buildings.
take out 36 watchfires, add 2-3 goods buildings that each produce 20-30/day. even if someone plunders one collection every day. i still come out ahead, 40 - 80 goods every day...
because of designs within the game and how rare plundering is, an active player will make far more from having less defense, than they would protect if they had more defense.
even if someone takes a few goods/coins/supplies/FP's, 2-3 weeks later the hoods will change [or i'll advance through the tech tree so fast i wont even be in their hood for that long.]
my thought is i'll just write it off as charity. in a month or two i'll be 2-3-4 ages ahead, making advanced goods with so many coins and supplies the ones that were taken from me, will remind me of the time i was at a picnic and the ants came and stole a couple crumbs off of my plate.
so my approach is: instead of placing defense structures and surrendering my land, produce on that land and fight to be the first to collect it. a little may be taken from time to time, but in the long run i'll gain a whole lot more