All righty then. So what your saying is "Give me lance fodder or give me... crazy op charge of death"??
How about this, when you rear a horse there is 50/50 chance the rider will get dismounted and land on his face on the ground. It doesn't solve the stupid horse bump damage thing, it doesn't do a lot of things. But it would be funny as hell and it will drive away the not very good cav players.
uhm, i don't know about you, but its not very difficult to just dive under the horse when its coming at you. archers used to do it all the time when bumping did almost no damage.
You have 2 options.
a) block down and avoid getting bamped
b) block up and try to get bamped.
Seriously, getting in front of the horse is NOT difficult