The first one shouldn't be that hard to "fix", but I rather like the super athletic backpedling horses
(not that I ever play cavalry).
I'll see if there's a sound mod that features it.
EDIT:
More metal sounds seem to have some sounds for horses riding through water:
1.91
-Basically reverted back to 1.7 but kept some new sounds from 1.8/1.9 that I liked (splash sounds for horses and a few others)
This mod is used by quite a few cRPG player (incl.) myself when I feel like remodding every time there is an update. This might be the time to start adding some of the sounds from it to official cRPG.