There's no way in hell I'd play a Skaven or Daemon army without a banner. A 25 point upgrade that can save entire flanks, as someone pointed out earlier? Why would you NOT want this? A Nurgle herald with a magic banner and a magic level might be a bit points-heavy but he can lay down the smack and keep his army in the fight.
Skaven may get high Ld from big blocks of troops but if you start failing break or panic tests, you might as well sweep your army into the carry case and go to the pub. As for Daemons, the effect might not be so dramatic but it could mean the difference between losing half a dozen models or even a Greater Daemon.
The sledge looked sized for one of Santa's elves. It was made of shiny red plastic. There were no engines or weapons.
"Perfect?" Calgar snorted. "You couldn't fit Kevin McCallister in that! How are four of us going to get in?"
"You didn't give me enough points to buy anything proper. I had to get what I could afford."
"You fething wally, it isn't even blue." Calgar inspected the tag which was still attached. "Fun for children aged two to six."
"Milo does have a point, my Lord," said Dick. "When I suggested that we're meant to be the most balanced Chapter and should allocate our spending for all contingencies, you said – and I quote – 'If I want to hear the raving of a leftist commie, I'll watch BBC News'."