I think that it would be a revolutionary shift in AI of any sort if they were able to realize the danger present by weighing their stats up against their opponent they are about to charge - factor in outside influences such as archers present/in range and other units surrounding them and their disposition (in combat, standing, fresh, shaken, out of ammo etc..) and on the basis of the results the computer would do whatever their General's traits dictate and what a smart commander would do with their troops... or something

You'd really think with these amazingly fast computers we have these days that the AI would catch up to it.

We can only hope that CA is just working like busy little bees on some huge patch to fix the AI which is only marginally improved from MTW. Granted - I know nothing of programming so I don't know how difficult it would be which would generate such a believable AI.