Peter, there is one area where I will disagree with you. I believe it was:
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Pangaea: the Centaur cataphract is inferior. It has low morale, low damage, and is non-sacred.
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For Pangaea I think the overall most useful Cavalary is the Centaur Warrior. While if you are doing a broad comparison they probably are not the best for cost effectiveness, but I'd rate them in the top 5.