1. If you watch a cavalry charge striking a line of set spears in slow motion you'll see that a certain percentage of the cavalry are unhorsed on impact (They fly right over the horse's head). One of the reasons that other mods, Stainless Steel for example, made heavy cavalry companies smaller is so that this number would have a larger effect. Even 2 HP cavalry (Or more than 2, ala Broken Crescent) suffer this effect, hitpoints are no guard against it. I believe it happens even to generals, although I don't have any direct evidence in screenshots to prove it, but it's pretty simple to avoid losing your general. Make your cavalry line so that your general is lined up to 'wrap' the edge of the spear formation. That way his charge doesn't hit the front of the line and he won't be unhorsed.
2. To the extent of my knowledge this is correct only at the moment of impact, as soon as the formation breaks open, which happens almost instantly, the remaining cavalry complete their charge as normal. The more dense the formation the better it holds form against cavalry. Actually the best way to take a BG's charge, from a player's perspective, is to have to overlapping companies of spears set at an angel (A wide V for 2 companies, or for schiltrom one braced square and two bobs o_o). The charge will only strike one company of spears properly, and as soon as the charge hits you order the second company to engage at will against targets that are still trying to fight their way into the braced spears.
You need to keep in mind that, even with this info, spears do far better against a charge than other infantry. I had two companies of mounted sergeants charge some DFKs at Marseille. They lost 3men and left only 6 of the DFKs behind because the DFKs had effectively no defense. If I had pulled the charge trick off correctly I wouldn't have needed to lose any men, or perhaps just one as they withdrew, but I was watching another part of the battle.
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