I never said they could charge through 5 people full speed...in warband (and crpg) horses slow down when they run into people, and if they continue running into people, they continue slowing down.
Don't make me break out the NBC "The more you know picture" I'll fucking do it...
Yes, they're flesh, blood and muscle, just about 4 or 5 times more than a person. That's like comparing a gorilla to a human, yes they're flesh and blood and still require oxygen like humans, but they're a lot fucking bigger, and they would do a lot more damage if they ran into you.