Courser is definitely the way to go for lancers. Shield is important for cav, it will save you and your horse ALOT. 3 skill lets you use Kite shields which are good for covering your feet.
For your armored horse, I see more successful lancers on Cata's though over large warhorse. Catas have a smaller profile and thus harder to hit by enemies.
WPF gives you extra damage, meaning more 1 shot kills instead of just heavily wounding people.
Strength: 21
Agility: 18
Hit points: 64
Skills to attributes: 8
Ironflesh: 4
Power Strike: 7
Shield: 3
Athletics: 0
Riding: 6
Horse Archery: 0
Power Draw: 0
Power Throw: 0
Weapon Master: 3
One Handed: 1
Two Handed: 1
Polearm: 130