Let's talk about cavalry

[Ludens]

-Ingame, they are armour-piercing and have a high lethality rate, good in a cataphract fight
-Historically, the two-handed grip was preferred over the couch during this period because, with the lack of the stirrup, the impact was equal (even though the two-handed grip was much harder) and the two-handed grip allowed use in melee.

Most lance-using cavalry have an AP secondary weapon, and AP is not able to compensate for low attack values. The stirrup is not that much use when charging, BTW. A high saddle is far more important.