I hate horses but its pretty dumb that steel is so lack luster on horse. They need to increase the cost of armor for horses and then increase its defense against pierce. Also add other mechanics that help players counter horses. Games about to release and no earthquake dismounts yet.
Mounted need more staying power but a way to prevent them from fleeing if the mess up too hard.
Schmerrik is a very good MA and knows what he is talking about with the mounted stuff. I havent seen a difference really between WS damage and the normal damage on horse, so I will also say that you cant WS horses. Ive shot plenty of horses. Asyms against steel horse armor does 35-45, long bow 45-55.
The system needs a rework.