I think it's 4 (more to be added when new races come in). It leaves for 1 per race and 2 on your favorite, or 1 more screwing around and testing other possibilities (this is for the hardcore player). In my opinion this is more than enough to find their favorites and utilize all of them. As for the average gamer, I don't think it'd be possible for an average gamer to properly utilize 4 kingdoms let alone 5.
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