Yes war horses were bred and trained to charge, kick, and bite and they were the most feared force on the battlefield from the mid 10th century to Napoleonic times. But horses will not charge into a wall of shields and spears. Think about the battle of Hastings if the Norman heavy horse at the time was capable of running through the Anglo Saxon shield wall then why didn't they do it from the start. Instead they tried to soften the shield wall with arrows and wave after wave of lighter skirmishing troops including light horse with javelins. Only after the heavy infantry engagement when the Normans turned and ran (or it was a tactic to run - history seams unclear) did the Norman Cav charge and win the day. This was proven many more times with viking/french battles in mainland France. When the Vikings took Paris they first had to defeat the French Knights in open battle. There are many examples of this. Cav Charges were used strategically not as a be all end all. Another example is Avincourt (Spelling ?) some over confident french commander though charging elite long bowman and a shield wall on muddy terrain was a good idea. Back on topic cav charges should be the most devastating force in the game but only under certain circumstances. In my opinion they should not be able to charge head long into a wall of spears or take 8 arrows and keep on chugging along but in the open if you get run over it should dam near or kill you. It would be like getting hit by Harley going 35 miles an hour.