I used to play solo on Warband a lot for fun, taking on armies of like 80 men alone with just a charger and a lance, but in this game I can hardly take on 20 looters alone with a lance. Part of the reason for this is rock throwing accuracy and power, but another part is the fact that shields don't cover you much at all on horseback. You were practically invincible in Warband if you couched the lance on the left side with your shield up, which made sense because you were covering your whole body between the shield and the horse's head, but here it looks like you're holding your shield out, exposing most of your body to the enemy and inviting arrows and rocks to tear you apart. It doesn't really make sense, and it makes it almost impossible to solo effectively now, at least with lances. I know you're supposed to be able to shoot around shields, but I feel like this is more an issue with people holding their shields improperly when using a lance.