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There are perks to increase this value, but they're still so low that getting grazed by a horses hip-check will still make you flinch.
Likewise, even a glancing blow from a looters broken weapon will very likely make you flinch.
I don't have the exact data but it's basically something like:
If you take all the interrupt prevention perks, then the threshold of damage you can take without flinching is something like from 3 to 5 or 6 or something.
Technically, theoretically it can in some situation maybe save your life or get a decisive shot against the enemy, but for the most part it's basically useless.
Edit:
This threshold applies to all actions, I think (don't know for sure) but it all suffers from low value, too.
Oh yeah:
Just in case you plan on having a full Crossbow army to rout the enemy with that morale lowering terror perk:
I tried it. It was not very good (at least on full Bannerlord difficulty)
It's good in a mixed army, but going: My crossbowmen will make them flee before they even arrive!
Yer gonna get wrecked by any substantial force :P
In that case, take the upkeep cost perk.
I hate useless perks. I feel the need to always get a perk at least once with companions. Wish some were more useful so the decisions weren't always so one sided.
It's for damage only, sadly (unless someone did a code dive and knows better), and it's kinda crap, and yeah, bannerlord perks are a mess.
Pretty much all of them work now, but many of them are de facto useless.