A decent archer knows that HA always have to turn back left to shoot you (if they are riding away from you) knowing that really helps you peg horse archers in the back. Also YOU chose how you want to play this game. A HA will hurt you if you are an agi build in light armor. As where my build I used to do, 24-15 pole with 8 IF and my +3 armor giving me like 75 HP and 64 body armor at less than 20 weight, could spit in the face of any HA whether they headshitted me or not, I could walk away unscathed. And unless they emptied a whole quiver into my face with a positive speed bonus at point blank range, I could cap MOTF fine.