So, if a player chooses a character whose mount is central to the identity, then that player wants to kick ass with their cool beast. In my experience, GMs who allow that sort of character should be prepared to give them awesome stuff to do on their mount, or at least the opportunity. Generally a charge is a once per combat opportunity, and ought to tend toward awesome. With that in mind...
MOUNTED COMBAT
When charging into combat on a mount, roll +Str.
On a 10+ deal damage +1d6.
On a 7-9 deal damage +1d6 and choose 1:
- Your lance shatters or is otherwise stripped from you temporarily.
- You lose your shield or helm in the furious clash.
- Your target deals damage.
On a 6- don't be too dismayed by your GMs evil grin.
JOUSTING
When competing in a joust, roll +Str.
On a 10+ you unseat your foe. The crowd cheers for thee.
On a 7-9 choose 1 and continue the joust:
- Your lance shatters. The crowd oohs and ahs.
- You lose your shield or helm in the furious clash. The crowd gasps.
- Your enemy is untouched and enjoys the adoration of the masses.
On a 6- you are unseated. You lose. The crowd cheers your vanquisher.