RE: First World War Campaigns - Cavalry Charges
Both events are working as designed, though maybe not working as intended.
Terrain bonuses reduce the impact of incoming fire, they don't apply to assaults. There might be a hexside penalty for a stream, but there often isn't any. That's somewhat peculiar, but it's how the parameter data is setup.
As you already mentioned, cavalry effectiveness in T-mode is essentially the reverse of what applies to most units, as they're better in T-mode than when deployed.
It can be explained away by pointing to abstraction ("the charge catches the defenders by surprise"), but in reality it's just due to how the mechanics work.
The assault bonus only applying when no negative hexside penalties are present and/or when not assaulting across a bridge, combined with a parameter setting for how much of the assault bonus applies/if it can apply to a certain terrain type could fix both problems.
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