its pretty cool, but its much too complicated, and its a bit of a bummer that you cant pick amies like dwarves as your main race ect...
If you can allow all armies to be picked, and make it more simple, then id defiantly play it, but currently i only really have goblins, so i cant pick any of the main forces ect....
also, on pages 8 to 11 you have lots of upgrades. im a bit confused on why you roll for what upgrade and also have points. do you roll and then decide if you want to buy that upgrade??
I would MUCH rather having the ability to somewhat control what upgrades i get. ie roll to see if its gonna be an upgrade to stats or special rule... and then choose which upgrade to stats or what special rule ect... mostly because you often end up w/ a hero w/ lots of random stuff (ie ends up w/ lots of exta attacks and added shoot bonus... id rather be able to concentrate my upagrades into a specific area (like get lots of melee upgrades or shoooting ones....)) so the majority of this pharagraph is that id like to be able to customise my hero myself, rather then hope i get something nice....
i still really like what you've done