Here's an untested idea on how to give them incentive to bid higher. Give them a Cautious in Combat trait if that's how they insist on acting. (This is only appropriate for those who should be acting heroically in combat.)
Have them roll against this trait to bid more than some arbitrary number (say 3-6 AP). If they fight too cautiously when they need to be fighting heroically (say if they have a time limit), then they will likely fail. If they fight too cautiously in front of their clan, then they are liable to labeled cowards. Then the Cautious in Combat ability can be used to negatively augment social reactions with the clan and similar abilities.
This method uses the hero's culture to offset the game mechanics motivation to be cautious.
Later,
Andy
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