Ah, thanks for the reply neonivek.
1) actually, I rolled an 8 for the last level, but on the other hand I put 4 of my favored class bonuses on improving my banner ability ( extra +1)
2)well, rules don't forbid it. More specifically hwever I wanted to know if you, as GM, would be ok with it.
3)Thanks! it was driving me mad. My horse is much strong now. fear his bite, enemies!
4)I'll take a look at the horse again. there is something screwy going on with stats ( I added the bonus to dex rather than Str, so dex is fine.. except an extra pint from somewhere? and I am not sure where all strength bonus comes from. I think there is an extra +1 on dex and an extra +1 on STR.)
5) well spotted on the lance. that is not the normal attack. It should be +11. I'll update.
as far as me being a threat... take that, people thinking martial classes are useless!
As for making me less deadly, buildings with hallways will go a long way negating ride-by attack, meaning I can only charge once. Assuming the building is big enough to ride inside which is in no way a given.
But if you think it is a balance problem I can switch in the interest of a good game.
Edit: That is fair. Spirited charge is a very powerful feat and removing that will bring me back to a more reasonable power level.
edit 2: in fact, that feat is the best part of the cavalier's 20th level ability.
edit 3: silly me, the extra STR/DEX is simply from being a companion.
edit 4: well, I guess I could keep the feat and swap the lance with something else... but honestly the broken part isn't the lance, and charging with a lance has a certain charm that a spear or sword charge lacks.
edit 5: or did you mean I must drop both? I will do it, but lance on its own isn't that bad, except on a critical. but it doesn't have much threat range.