What is the other man armed with? Horses are VERY reluctant to run straight into a sharp, pointy, stabby things so trying to run him down may or may not work. Even war-horses would have this problem.
I was thinking of one of those single handed longswords used for slashing, but still has a point. He has short daggers in holsters if you somehow get him to drop his sword, but he has gauntlets.
How skilled are you in this situation with swords or a spear?
What kind of sword do you have?
...
How thick is your padding? What kind of padding does it have? That can be very effective against a sword, especially if it isn't as sharp as it could be.
Are you skilled in Half-swording at all? That's one of the ways to defeat an opponent in armor (as is using the murder stroke).
Hmmm, in both cases with weapon skill I'd say that you are slightly above average for a cavalryman of that era, having participated in 3 battles where you closed the distance before, and being better than others even in your first battle The sword I was imagining was either a cavalry sabre or rapier. I'm leaning towards the sabre since more people know what it is. Your padding is quilted with linen and cotton consisting of maybe 7 layers. This is actually enough to stop a far away arrows, bullet ricochets (!), and slashing attacks, but offers little against a stab of a bayonet... or sword. You practiced half-swording in training, but haven't used it in actual battle.
What is the other man armed with? Horses are VERY reluctant to run straight into a sharp, pointy, stabby things so trying to run him down may or may not work. Even war-horses would have this problem.
How skilled are you in this situation with swords or a spear?
What kind of sword do you have?
What is the terrain like?
Ah terrain. Ok, think of an area with most of the surrounding area covered by this mix where it's 75% of the ground area is clear and the rest covered by mostly conifers, but some other non-rideable vegetation like shrubs. Because of the "mostly clear" part, it's possible to ride the horse around this location without running into a tree, but it will have to make small turns as traveling in a straight line will run into a tree. There is a slight incline of 7.1 degrees. The ground is dry.
Aside from the "most of the surrounding area" you are on a narrow road that's almost completely straight and clear. It goes straight up the slope When you finish reloading that final shot, he is 10 meters away down the road. He was moving in and out of cover as you made your shots and can easily see you loaded... and it was your last shot. There is a 1 meter diameter rock blocking a part of the road between you and him and it's the only part of the road that isn't straight and clear. The road moves around it, but it's a small movement so much that you still have line of sight if he stands. Imagine a grid where a road occupies 1,2,3,
4 normally but
4,5,6,7 going around that boulder. Of course, the road isn't 4 meters wide as that's not a "narrow" road, but this analogy should give you an idea that the rock doesn't actually block the road.
To his immediate left, there is a 30 X 100 meter clearing connected to the part of the road he is standing on.