The ideal solution seems to be preventing corps being formed before May 1862.
Either no ** generals until then or no Army HQs -
I favour the latter as it adds to the organisational problems early on
I would make most Union *** be ** with promotion events for Banks, Butler etc later in 1862 so that their handicap effect is extended.I would only have Scott, McClellan, Fremont and Halleck as starting ***.(Patterson probably doesnt matter probably he would be better as a **)
I would be tempted to have Joe Johnston and PGT as ** to start with and promote to *** in line with the 5 full generals event that lets you put everyone into order for that point (Cooper,AS Johnston,RE Lee,

JE Johnston, PGT Beauregard).
S!