We can't help the issue of cavalry charges on loose formations, its the way the game is designed, they will continue charging for a bit but after a certain point the unit as a whole will switch to melee mode and stop charging.
As for tight formations, well cavalry shouldn't be able plough straight through them, men many be smaller that horses but if there are enough of them and they hold their ground a horse will only make it so far. Sadly the game engine doesn't allow charges to be portrayed accurately so its the best we can do.
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