I agree with most of what you posted, though I'm not a personal fan of Elizabeth. Actually, I'd rate her as the 7th best Financial leader and probably the 10th best leader overall. The only place other where I'd disagree with you is I think that you are overvaluing the Hamman and undervaluing starting techs, or at least not mentioning them. The Ottomans are good, imo, but not as good as, say, Egypt.
Merovech's Mapmaking Guidelines: