I do not get French lancers

[Tuidjy]

Yeah, I have been experimenting with lancers, and they do seem to resist
missiles much better. The horse barding must make the difference, indeed.
On the other hand, in hand to hand, they seem no better than fully upgraded
chivalric knights. This is from fighting the English. I would test them in custom
battles if I could force myself to load Total War and not continue my campaign.

The great thing about hospitaliers is that I have so many guildhouses that I
can replenish their numbers pretty much everywhere, city or castle. Furthermore,
their upkeep is less than 80% of that of other knights.

On the other hand, I have noticed that I get MUCH better milieage out of a cavalry
stack with 15-20 chargers than one with 40. It is amazing how much better
they wheel and charge, and of course, how much faster they get experience.