Regarding speed, I can not say much, but that horse bumping got damaged nerfed was kinda necessary IMO ... now you actually need to do something to kill ppl instead of running over them 2 times and they die while carrying 4 shields (*waves @ elephant rider*).
And plz dont come again with your "realism" ... this is a game ... it's all about balance, not reality ... and causing 50% on heavy armor by just riding over them like it was before had nothing to do with balance or skill or anything, it was just rediclious.
I d love to quote Gnjus here but you are my friend so I dont.
Some facts: I already kill more enemies with my retired low level polearm and the cheap heavy saddle horse than I did as Black Knight on the heavy plated charger for almost 100.000 gold.
Even with 54 horse charge I couldnt kill a naked guy with 1 bump, a guy with decent armor I had to hit 3-4 times at full speed while, in the same time, you coward my old friender were hiding and 1-2 shot-killing 15 enemies.
I have never seen a pure elephant rider with earth shaking kill death ratios.
Everyone with an idea/ some experience how to play as lancer knows that Sarranid, Courser or destrier are the way to go.
Unfortunately, all the people who call the shots hate horses. Indeed, they get mad when some horseman injures them before they can finish kill number 20 without dying.
What can I say..............it seems to be too much to ask to carry a polearm and look around instead of mindless charging/ shooting.
Some more facts: one (1) throwing lance is enough to kill the heavy plated charger. is that the balance you are talking about? i have to pay upkeep almost 5.000 gold each round for my horse even if it should survive the round and some skill-free throwing spammer can easily kill it due to its huge hitbox.
also, due to the friendly bump you cant even use the horse to help your teammates because those incompetent footmen tend to dance instead of holding the fucking line.
result: charger, even the normal one, but all heavy horses are just good in burning your money, if you have too much gold. otherwise, totally useless, but who cares. we dedicated cavalrymen, we noblemen, we know we have more skill and are the better men anyway, so dont mind the lame pedestrians.
Some advice: use the charger only on cav-okay maps such as ruins or some sarranid village perhaps. The ground needs to be really plain. Use the light lance. Attack archers, stab them in the head. Get your fellow light cav to protect you from enemy cav. If there are no competent cavmen in your team, then stick with the infantry. Stay back. Wait for your infantry to charge, then attack from the other side. Like all cav, its best to kill pedestrians that are not aware. Archers, crossbowmen, dreamers, thats your targets.