I know, mid to late game you will be swimming in horses, but the start up can be rough.
For field battles i am ok with the horses lost forever.
I am only wondering why you wouldn't get all your horses back if you are attacking and you spent that sweet time building a camp and everything.
It is a little emersion thing to be honest, i am swimming in dinars and it is the highest difficulty settings. I love how rough it is to get to this point so i am a bit picky about immersive stuff.
Character progression being halted and all, your mind looks for ways to stay engaged