Arrange cav 3 ranks deep, perpendicular to the target at a decent distance.

Right click on the target.

Press R.

Watch.

The only vital part of a charge now is that before the cavalry begin the final lances-down charge they must be facing the target unit directly and be in a coherent formation. Giving them plenty of time walking (or running) towards the target outside of charge distance helps them bind together a lot. A couple of small things can still hinder them, such as the target unit being spread all over the show but its less hinderance than it was pre-patch. Works 99% of the time for me, and when it doesn't, I know what I did wrong.

If you keep in mind that they're an OFFENSIVE weapon, and you use them accordingly, you'll have muchos success. The 1st units to hit the enemy line in my battles are the heavy cavalry. Once they've killed their lot, withdraw them and throw in the infantry. You could withdraw and charge again if they're not taking too many losses. Offense, offense, offense!

Its still very difficult to charge in settlements although its a minor sort of point.