The musket's firepower was only reduced about 10% in v103, and the reload was increased 3 seconds (1 second for each rank in the revolving fire formation). Those two things combined to give both the naginata cav and the heavy cav a good chance of frontally charging a musket unit without the cav routing before it reached the mustkets. The reduced hth combat ablility and morale of the musket allows the cav to defeat the musket in hth quickly. The idea is to make guarding muskets with a nearby spear or cav unit a necesssity since the naginata cav and heavy cav are effective anti-musket units. Archers also perform better vs muskets in v103 than they did in v102. Since the muskets in v103 have effective anti-units to contend with, you don't need the unit limits that you see used in v102. The v103 was carefully tested to ensure that armies consisting of all one unit type had effective counter armies. For instance, as I recall, a balanced army containing 6 yari samurai can defeat an all nag cav + heavy cav army.