All good advice.
Actually I think an Hcav unit heading for the hills when faced with four musket units is a pretty smart group of cav dudes ... assuming the musket commander isn't a complete dorf.
Most of the things that affect morale are listed in Froggie's guides, I think (see the Guides subforum). The factors for MTW pretty much cover those for STW. There are some differences, but they're not that significant.
If you turn morale off then I would think units would fight to the death, but I always play with morale on, so I don't know.
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