The baggage thing sound actually very realistic
There is a lot of historical examples where it happened and that the army routed : its quite similar to having your general killed, a symbolic banner captured, or just being attacked by the flank/rear = it sent the morale of the army down in the gutter.
Most of the time the baggage train was comprised of : the gold for the army, the food for the army, personal belongings of the general and his officers, some symbolic element of power. So losing that is generaly very, very bad.
Overdriven, you wasted 150 hours of your life
have you only tried the mod or didnt feel like it ? I too, the first time (on medieval 2) played a loooooooot on vanilla, but when I tried a cool mod I could never go back. This is what happens to 99% of the players who does that and im sure you're not one of the 1%!