Of course you don’t understand what anyone is arguing about here: you’re clearly always right, and others are wrong. Frankly, people won’t be interested in discussing your ideas when you take such an aggressive and pedantic tone.
Lore, in the context of video games (which, surprise, AoE4 is) is not “a body of traditions and knowledge on a subject or held by a particular group, typically passed from person to person by word of mouth.” It’s fictional storytelling.
Second, I’m not sure how I would rebalance Chivalry as an ability. I agree, it seems a little OP at the moment, and doesn’t really fit the historical context as well as it could. I mean, chivalrous knights shouldn’t be slaughtering peasants.
Maybe Chivalry could give a bonus to armour in mixed groups (like Camels, but inverted sorta), that way you’d have to mix in spears or archers to get the benefit of it. Would also be a good nerf to French raiding, which I think Mongols should AT LEAST be on par with.