As a person who constantly plays with and against lancer regiment, I can lancers are not OP. It is not that hard as a Hussar to make a lancer buck then you cut them in half because they cant block.
Lancer just has to ride away. Dont forget that he has got light horse.
I don't know how often you play on cav gf (didnt see you), and how often you face
skilled lancer. It's not a problem to kill noobs, no matter what class they play.
Couched lances shouldn't be a problem unless you let yourself get dehorsed.
When your horse stops, the next thing that you usually see is
Heavy Cav are basically an anti-infantry class. Their ability to take hits with their armor plus that very powerful sword is what makes them good against infantry. They however so slow that they are easy targets for any cavalry class that has medium or light horse. (as long as those players know what they are doing.) I would say it is best to avoid any cavalry fight as heavy cav.
Again, lancers got freaking lances, and can couch them. The only thing they have to do is couch their lances and charge infantry from behind. Of course, they can draw their sabres and play like hussars as well. I woudnt say that heavy cav is anti-infantry. Footman have more time to attack cuirassier, than hussar. After stab, usually your horse or you are dead. Anyway, i get your point, and there i some truth in it.