apparently the devs made it this way so the multiplayer interaction isn't tooooo one sided, but ended up nerfing single player so bad. and it seems there's no one playing multiplayer and the single player base is hanging on because of mods. great game but i wish they actually seemed to care about itCouching and stab-based weapons are very wonky for the player as well as cav AI right now. In Warband couched weapons were much more accurate for both player and AI. In Bannerlord, both player and AI couching/stabbing from horseback is very inaccurate.
And yet, infantry attacking a charging horse are superhumanly accurate, rarely if ever missing their attacks.