There seems to be a prevalent idea that unreformed hordes are militarily hopeless in the lategame. Whence does this idea come? Taking all the military idea groups handily offsets your pip-penalty and makes you able to easily stack wipe even France on plains in the endgame. Sure, you're gimping yourself in terms of internal stability and potentially diplomacy, but don't come here and say hordes can't fight lategame.
If you take all the military idea groups and fill them, I doubt you could reach tech 32, and even if you did reach tech 32, you could probably experience serious shortage of mil points for other things as re-rolling generals (because when you have guaranted 1 Fire/ 3 Shock general you always get 1/3

) occasional harsh treatment or whatever. Also when you compare top cavalry units -
Latin Lancer
Fire 0/2 (Reduces damage in fire phase, meaning enters combat with fewer casaulties), Shock 6/4 (Deals way more damage and receives less damage) Morale 6/4.
Look at Eastern Swarm
Fire 0/0 Shock 2/1 Morale 2/1.
Western Infantry - Napoleonic Square Fire 4/4 Shock 4/4 Morale 4/4.
Muslim Archers - Fire 0/0 Shock 1/1 Morale 1/1
And now, are you aware that fire phase comes before shock? So with advantage of enemy fire, your regiments will be damaged more than your enemy, and as such they will deal less damage. Now, in shock phase you also have much lower shock pips, so in fact you will deal even less damage than your enemy. I doubt that +25% shock damage modifier would swing that much in your favour in case of that phase. And after shock comes fire again...
During my Great Khan playthrough I was stackwiped by Sweden. I had same tech, or even 1 tech ahead, had two mil ideas groups filled (Offensive + Aristocracy) decent general (2/5 or something like that), and I attacked enemy on my plains. Few days later I had to rebuild one of my armies after being stackwiped.
EDIT: Also on pip disparity - If you compare two units like Lancers and Eastern Swarm, to overcome Lancer defensive pips (so that your "attack" value is not reduced below roll) you have to have AT LEAST general with 2 more shock. And with late game generals running around more or less being 4/4 5/5 6/6 or any combination of these values, it is hard to get 8 Shock general to overcome this disparity. If both generals have same shock value or there are no leaders around then you can treat Lancers as the same unit as eastern swarm but just attacking as if they were led by Shock 4 general. And you attack them into the mountains (-2). Are you still saying that you can stackwipe france with plain unreformed hordes without any more advanced units?