I have 18/18 138,2H 52,1H and 9,polearm. Not really a lancer build but.... i use a practice lance (you can put it on your back), a cav sheild, a langes messer, sarranid guard armour, mail boots, mail mittens, Sarranid veiled helmet and a brown 12K pony. 1H on horse 2H on foot. Best build I have ever had. Sometimes i use persain battle axe from horse instead of Lance.