Hello all!
Before you ask, yes, I am a horse lancer.
Now, before you jump to conclusions, if you've spent a gen as cav, I'm sure you're aware that it's borderline impossible to make profit with even a Rouncey, Heraldic Mail with Surcoat, Mail Coif, Knightly Arming Sword, and a standard Lance. My average multiplier is averaged at around 4 also.
Suggestions:
Lower upkeep on horses.
Factor in riding skill to alter upkeep. Perhaps each level of riding should decrease mount upkeep by 7.5%?
Reduce upkeep generally, to allow more play-styles to be factored in.
Increase gold and exp gains with retirement.
What are your thoughts?