That makes you helpless on the ground even at level 30. Go for 18/18 first time around, I'd say.
I'm normally a big fan of high athletics but for a dedicated horseman you can go with 0 athletics.
While it's true you are at a big disadvantage on ground when alone, you are definately not helpless.With a shield you can just hold it up and walk back to your teamates.
Without a shield it's a bit harder but usually you just need to make a couple of successful manual blocks to reach your teamates.
Having 1 extra PS helps killing, so swing away, you might get one or two.
When on horseback, the most important thing is to make sure you have teamates nearby if you lose your horse.Don't ride away and fight where there are no teamates unless your horse have most of it's hitpoints left.
Some of my best scores today (0 athletics):
219 32/3118 20/3
136 19/4 - nice score by TomMyyY
My build:Level 33 21/21
7 power strike
7 iron flesh
7 riding
5 weapon master
145 polearm wpf
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