Well, as said, it's not a matter "I feel the game is not enought realistic". (It's not what I think and it's not the discussion I wanted to make here.)
The matter is: "I feel not balanced to let horsemen running over everything freely"
So, seeing I felt this, I wanted to think and suggest solutions.
And seeing I should suggest solutions, I tried to search for some "realistic" ways to make horsemen
just a bit less free to walk over everything.
Like: "forcing them to choose their movement a bit more tactically".
So the aim is not to make the game more realistic, but more balanced (in my opinion, obviously).
Obviously you're free to not agree with my feeling of not balanced game due to "freely running over everything" horsemen. And it's ok.
But I think it's not forcely to say "if you have to implement this, you have to implement that, too...". The aim is balancing, not (only) realism.
If more realism would means less belance, well... in my opinion: better not. (Usually I'm to sacrify some realism to balancing.)
EDIT:
You realize that when chargers hit people, they are impacting with their chest right? The strongest part of their body. Have you ever seen horse skeleton? Do you see how thick the bones are? You are like balsawood to a horse
The problem of horses is they get cripple easly. They're leg are not so resistent.
Well... it's what I know... I could be mystaking anyway...
But in this optic... walking over a "shogun armor" warrior shouldn't be "totally free of charge" for the horse...
I'm not saying it should get cripple... but at least scratched by metal... so 2% damage or similar...
RI-EDIT: Anyway, again, it's not about a matter of 100% realism... is about a matter of "justifying a balancing solution choice".