I don't see many agility 2h anymore, mostly guys in light armor with 9+ athletics and a +3 War Spear or similar. Something about spear sideswing animations make them appear to swing much faster than a Longsword, and 22b is still a lot of damage.
I can't think of many players that are better in plate than they would be in loomed medium armor (which is probably why most people wear loomed medium armor).
EU has ninjas.
And, it seems you have not encountered a fully loomed plated guy with a swiss halberd spamming overheads while waiting for you to glance on him. Or others 1h or 2h weapon. It first gives you a huge boost to your survivability against range, and secondly gives you this "glance" possibility when ganking/being ganked/duelling.
Biggest problem with righ guys is cav though. People explained how cav was balanced BECAUSE it was expensive.
Nowadays, semi-heavy horse + plated guy + 1h/shield are roaming the battlefield on EU, and are just so tough to kill.
There's litterally NO 1h not usable on horseback, i believe, even though it's mainly ACS used. So, for all 1h/shielders, the "usual" evolution, at lv33 and beyond, is putting points in riding. That's all.
If there's one class, luckily, that can't "evolve" on horse at high level, it's range, since you actually need to invest points in Horse Archery too. So it's pretty expensive. But for all others, there's no real reason, except for fun, or liking the travel by foot, to not get a war horse or whatever.