Power strike wont really help u on horse back, remeber PS is only a 8% increase per point, Speed from the riding skill and looming your horse is were most of your damage will come from.
My bud digglez uses a moringstar from horse back on a destrier and he says its great, you swing and since its slow, you can compensate for you enemies movements and get nice clean hits in.
Gold and upkeep should never hinder what you want to wear or use in battle.
Money is made from paper, and i whipe my ass with paper. There is no difference. Spend it if you have it and save for it if you dont.
Always have fun playing this game, The charger is a fun, powerful bulldozer that is very effective at supporting your infantry in siege and battle modes.
Use a 2her and crush enemies when they my old friendi spam back peddle your team mates and then your team mate gets a free kill.
Enjoy