I don't know if you own mw sniper crossbow, but from my testing on duel server, courser wont die in one hit unless head shot or you get a speed bonus. If your horse dies in one hit, stop charging crossbowmen when they are aiming at you, because yes, either you, or your horse will get one shot. That is the speed bonus working against you. When you can prove that you can one shot 90% of people and horses, then there can be a discussion about it. Somehow I doubt it.