Treasure Fleets too easy?

I have been watching a lot of the content creator videos and it feels like treasure fleets and the economic points in the exploration age is a tad too easy.

A slight adjustment I’d like to see is that the fleet has to make it back to a harbor tile rather just your borders. This would open up the ability for naval blockades and the need to build up a substantial naval fleet in order to protect the route back to your harbor.

Any other thoughts?