Picture this:
You like to RP a typically heavy knight. Say a Templar, a Teuton, a Hospitallier, a French chivalric knight, a cavalry militia from an Italian city state.
So you spend a bugger load on armour (which lets you survive an extra hit than lighter mail), you soend an even larger bugger load on a horse, which if it's a destrier is useful, if it's a mailed horse, it's pretty bad. I mean, the destrier is JUST fast enough to dodge missles, but the armoured horses are pretty easy to hit (based on my experience as an xbow(mainly normal and arablest) archer (mainly longbow, but Rus bow recently) and as a cavalry player (destrier 90% of the time, but looting horses from dead riders) )
So you go slower than usual, meaning you and your horse are easier to hit, you do less damage and it's easier to get out of your way.
Personally, nerfing (and this is a nerf) heavy cavalry is a terrible idea.
Slightly off topic, but I'd like to see cavalry used like they were in real life. The Arabic and Saracen desert horses being lighter and not used for direct confrontation (ie, charges against massed infantry) and the typically western knightly class horses (ie, destrier and mailed horses) used for charges.
Currently, a head on charge with a destrier gets you ... killed. Even if it's versus non-ranged (which is very rare) or non-polearmers (which is also rare). Hell, even 2h's can stab your horses head before you get to them. I'd like to be able to do mass cavalry charges. Obviously they wouldn't be 100% realistic, else they'd wipe out near everything.
But here's an example: A while ago, on EU1, we were playing on the map that had the large bridge in the middle of a city. Quite similar to the map we still have on EU1 with the wooden bridge over the river with the forst on one side and a broken down caravan or prisoner cart on the other. Now, me and some other cavalry players decided we'd do a charge accross the bridge. I was on a destrier, there was a few GK's on destriers, a guy on a plated charger and a few lighter horses. There were maybe 8 all in all. We rode 4 or 3 abreast over the bridge, in close packed waves. I made it over once alive, the rest of the time we were slaughtered. It was fun, but it was kinda like "well fuck playing heavy cav, where's my courser?"
On another note: I'd like to see weight restrictions for horses. Ie, a plate armoured knight shouldn't be able to ride an arabian or desert or steppe horse, as they were lighter animals, and wouldn't last long with such heavy equipment (I know it's a stamina thing but still)
tl;dr - I disagreed. Suggested that heavy cavalry should be able to do frontal charges like they were designed for. Suggested weight restrictions on certain horses.