It'd be a nice balancing act if horses could be spooked when attacking head on to projectile charges or spear charges. As it is now, cavalry can just charge into a shield wall, and sometimes the horses rear up, but it'd be neat e.g. if they sometimes just refused to charge.
Also, it'd be neat if you could get on any horse on the battlefield. As it is now, you're required to have enough skill points in riding. Which is fine, but having to search for a proper horse when yours fell in battle and you're trying to go back to where the rest of the army is not a great experience. In place of this the horse could be somewhat erratic, depending on the gap between your riding skill and the threshold for the horse. That way, the hero or the NPC could at least try to go somewere safe, instead of enemy cav playing polo with them in the open fields.
Also, it'd be neat if you could get on any horse on the battlefield. As it is now, you're required to have enough skill points in riding. Which is fine, but having to search for a proper horse when yours fell in battle and you're trying to go back to where the rest of the army is not a great experience. In place of this the horse could be somewhat erratic, depending on the gap between your riding skill and the threshold for the horse. That way, the hero or the NPC could at least try to go somewere safe, instead of enemy cav playing polo with them in the open fields.