1.02 Monk Stat:
Charge: 4
Attack: 5
Defense: 2
Armor: 1
Morale: 8
Cost: 500 (550 MP)
1.02 Nag Cav Stat:
Charge: 11
Attack: 4
Defense:1
Armor: 4
Morale: 8
Cost: 450
I'm not sure where Puzz copied that troopstats.txt file from, but I'm looking at my WE 1.02 file right now, and the stats for NC are as above, not as posted in the linked post Puzz gave. I think Puzz expresses his frustration over the 1.02 stat fiasco a bit strongly sometimes. The NC is not a monk on a horse for 450 koku. Close, but not quite. His point is valid, just a bit exaggerated in my opinion.
In Single Player, the NC effectiveness is countered a bit by the cost in time and koku to build the infrastructure required to train them (Fortress, Spear Dojo, Famous Horse Dojo). That hasn't been taken into account here. By the time you can build them, there are plenty of YC around and they counter NC effectively. YC trained at a location with an infrastructure that can build NC have +1 honor (+1 attack, +1 defense, and +2 morale)--when you factor in the spear bonus, they do very well against NC trained on the same level. NC are still decimated by any YS and can be defeated by Yari Ashigaru as well, provided the ashis have morale support and aren't charged from the flank or rear.
The NC is more powerful than it should be in 1.02. They were used extensively in STW 1.02 MP, particularly for their high morale, and were the most common Taisho unit by far. You didn't often see armies from any but the best players without four of them in it (the limit with a 4 max rule in effect). Their effectiveness caused YC to be used much less, YC morale being weak at a base of 4, making them flighty. Still, YC could beat NC in a head-to-head fight.
1.02 Yari Cav Stat:
Charge: 15
Attack: 1
Defense:2
Armor: 3
Morale: 4
Cost: 500
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