On my mounted HA I was using steppe horse, aketon, felt cap, leather boots and gloves, exceptional light crossbow, steel bolts x 2, tempered longsword. Was gaining money - and I got quite a bit of playtime with that outfit. Gained quite a bit.
On my spearman/lancer I'm using a palfrey (7.5K), balanced heavy lance (4.4k base), deadly warspear (2.5k base), a kite shield (1k gold), and tribal leather (1.5K) + nordic fighter helm (+1.5K) + some leather gloves and boots (+0.5K). Making money on it too.