Every race can play MC. Lances have very high strength requirements BUT couching them (Holding down a thrust attack and running into your target) works off different rules and you can actually use weapons for it that you don't have the strength to wield. I think it's around 20 strength over your actual strength that the stam drain gets so bad it becomes impractical to couch a weapon.
Your requirements are Riding(Sec) > Controlled Riding(Pri) > Swift Riding(Sec) + Mounted Combat(Pri) > Mounted Charge (Sec) + Lances OR Spears(Pri)
Balance(Pri) may become more important in the future. For now, dismounts are exceedingly rare if you don't charge people who are using axes and hammers so not a big deal.
I personally also recommend either mounted magery or mounted archery. Mounted combat is GREAT for taking down horses if people let you get in to take those hits but if they start kiting, it's over. If infantry with bows or magic put their backs to a cliff, it's over. Mounted archery / mounted magery give you options that make it MUCH harder to take you out of a fight. It is entirely possible to build MA+MC that is also a competent footfighter or MM+MC that is also a competent foot hybrid.