Lier. It depends of charge points and speed factor. Plated charger at full speed will deliver you huge damages.
It's not like there are lots of HA and HX riding around on plated chargers though.
I don't see any reason to complain about bump-shot, do you actually dislike when a horse ranged comes in melee range with you? In most cases it ends badly for said horse ranged.
PS: how do you people like my new sig, by the way? I find that it perfectly describes my playstyle.