Warband retreating punishes attack and run tactics because of the loss of morale, i hope in bannerlord that morale loss after retreating is relative to the losses that each side suffered, instead of considering retreat as always bad. This will also solve the problem with having to get rid of every single enemy soldier.
I really want to roleplay as raider with only mounted units and wage wars of attrition on the enemies, hitting them when they are vulnerable, causing them as many losses as I could, then quickly retreat from the battle with minimum losses.