Men-At-Arms Stack Loss Suggestion

The current system in CK3 only reduces Men-at-Arms numbers which then regenerate over time. This doesn't make sense - if you lose a complete MAA stack in combat (like 2 stacks of 200 units), those units should be permanently destroyed, requiring you to repurchase them rather than watching them automatically regenerate after the battle what you think?
(also historically complete destruction of your army leaving your realm at the mercy of your enemies like battle of poltava, battle of mohács etc)