Thanks a lot for a detailed reply MrExpandable.
The bots vs bots may not be a good indicator of balance, I know Swadian and Rhodok bot armies need a bit of a nerf, they get knights too often, which are meant to be rare but powerful units. I will fix that, and I will reduce the protection of armor vs cutting weapons (swords and bows) by 10%, so that plated units are not quite as strong (they still can be defeated very quickly with blunt weapons).
Nord Huscarls are quite good archers, perhaps the bots dont get the bows often enough, but I'll take a look.
The Khergit Warriors will also be given maces to help them deal with Swadians and Rhodoks.
The price of some starting items is too high, you are right, I already made a note of this and will fix it.
The very fast horses are only on Khergits, because they need them to maneuver around heavy enemies, Khergits themselves are rather fragile, as are their horses. Nords have some fast horses too, but I will reduce them, and will reduce the speed of all horses slightly. Hitpoints -- Compared to native, horses have less armor but slightly more hp, Swadian Warhorses -- yes they have tons of HP, but they are meant to be very rare, I will make them more expensive. Probably same for Rhodoks. So that if you spend 2000+ on a horse, it will not be killed from under you right away.
Bear Clan: Although all classes can get throwing stakes, the Bear Warriors are their dedicated ranged unit with 8 power throw (the rest have 4 power throw). And Bear Clan are so good at melee that I didnt want to give them a long ranged unit as well, they can beat almost any other unit in melee with ease, so they should be vulnerable at range. They can be ridden down with cavalry due to lack of helmets, but I think that's good -- cavalry is the counter to them. I will look at them closer, but would like to keep them unique and not give them a mounted option. Fast bows -- Khergits have that, so I don't want to repeat that with Bear Clan as well.
Vaegir arrows and bows do need some adjustements, thanks. What are your thoughts on the siege bow?