You're right, I just realized that. Fortunately(for me), it doesn't change anything because I didn't roll any 3s on the to hit rolls.
My champ and his horse flubs terribly. So that concludes our attacks. I have dealt 8 wounds and charged. You deal 1 wound, have a banner and BSB. So you lose by 6. Break test at -6 penalty for you with BSB reroll.
EDIT: Whoops, it seems you do get Steadfast. So just a Break test with no penalty.