While I would be the first to concur that unmodded versions lack something -- especially on the tactical map -- I think you may be overly harsh with the above vignette.
According to Keagan (Face of Battle, 1976, Viking Press, pp. 153-159), what you describe really is a realistic result when cavalry of the day faced any line/square that remained steady. Charges breaking into a steady square were so rare as to be worthy of a lot of commentary -- and occurred as like as not because a horse got killed at just the right moment to prevent it from stopping or shying away.
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