You guys know that warband had a setting to lower damage taken by player character hidden in the options and the default was 1/4 damage taken?
I didn't know about this setting in warband untill I was about 200-300 hours in, and by then I was so used to it I couldn't change back.
Bannerlord has this setting as well, but it's shown to the player as soon as he starts the campaign, and the avrage warband vet would considers himself a pro and sets the setting to realstic, even if he played on 1/4 in warband, unbeknownst to him in some cases.I did this too, and and found the combat frustrating.
Just swallow your pride and lower the damage taken by player character if you want to participate in combat. Seriously, nowadays I play on 50% dmg taken and I'm enjoying myself far more.