If you want to inject physics into your discussion of tactics, a 5lbs. spear braced by a 200lbs. man won't stop that 1 ton horse moving 60km/h (this is probably heavier and faster than an armored warhorse + armored rider but whatever) either. Yet we all agree that spears would've stopped a cavalry charge, right?
Nobody thought it was a good idea to go bowling with their horses.
Adding huge trample damage without the attendant risk of being thrown off and severely injured will do more to distort the tactics in Bannerlord than having slip-and-slide charges that do puffball damage. Because if you can easily and reliably trample infantry formations wholesale, then it becomes the go-to use for cavalry.
Just look at this ****:
I think you hit the nail on the head right there, back in May.I like the ideas you mentioned back then, danger of dismounting, trample damage, being run over by the friendly rider in back of you, etc.
For a more dynamic relation between infantry and cavalry cav would need to have some risk to their own safety whenever they attack (of course this risk should be in relation to the situation, eg frotnally charging prepared inafantry= high risk, running down lone fleeing looters = small risk), while as well being much more of a danger themselves, eg higher charge damage, trampling damage, etc.
What I imagine is that the decision to employ a cavalry charge should be a difficult one, because of the risk for the (expensive ) troops and their mounts involved. Could give rise to the tactic of using cav for transporting troops to an advantageous position, then dismounting them for a infantry charge.
Of couse, the AI would need to be able to deal with these circumstances. Considering like they are already parcouring up the siege towers like olympian athletes (or not), this maybe would take some time.