Well... if I got encircled on a horse, I would want to have a good sword with me. Chop off some heads...
CHARGE!, I guess you could make some kind of leg aurmor if you had to have a horse.
But, like I said before, vehicle with aurmor would make me feel better.
are main issue here is we dont know what kind of zombies were goin up against, the stupid slow ones, or the ones who took classes in running?