Alot of medieval tapestry depict horses in full gallop on their way, or almost smashing into infantry lines. While some some evidence might suggest otherwise, that dosent necessarily discredit all other sources.There is some evidence suggesting cavalry charges never worked the way we think they might have (smashing horses galloping at full speed vs masses of armed men) but instead they might have nudged and probed their way into formations (at a walking speed) until gaps appeared and then ran through those gaps until all cohesion on the other side broke.
I wonder what the physics and mechanics of real ancient/medieval battles actually looked like.. I guess we’ll never truly know.
More likely explanition (in my mind) would be that mounted warfare wasent fixed to a certain tactic/use, it evovled and adapted over the +2000 years its been prevalent, suiting whatever need of those capable of deploying them.
That being said, when it comes to Bannerlord specifically, I think that gameplay should come before realism allways. So I welcome any enhancements/changes that will make charges/mounted combat better