Removal of encumbrance makes horses not worth while
I liked how before horses were good for heavily armoured troops and wargs were good for lightly armoured troops. Now horses are useless. Sure you get 1 more movement point, but you get better dodge with the wargs and they give initiative. If encumbrance is out the horses should do something else or be the same exact thing as wargs, just kingdom and empire resources respectively. Or something else, just not as it is now.