My 2 cents:
- Faster gallop for all the horses. I kind of like them all being the same speed, but it's not a big issue for me; making them different speeds is okay.
- Only fight if attacked. I hate it when I jump off my horse to go fight a bandit and my horse runs ahead and attacks the bandit for me.
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Yep, my horse chases saber cats and bears. I always thought it was supposed to be the other way around...
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- Higher jump. Horses can jump over obstacles a lot higher than humans can.
- Saddlebags of Holding (That can hold unlimited amounts of stuff).
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Nominal load weight for horses is at least a couple of thousand pounds, if loaded by someone who knows what they are doing and, perhaps only a few hundred pounds if loaded by a complete idiot. That translates into 11000 triens - the triens being the Roman unit of weight on which the inventory limits and weights in these games are based - if we go by the numbers and what the objects weigh in reality. I think a realistic weight limit for horses would be dictated by a skill such as horsemanship - and certainly not the measely 45 pounds (250 triens) of the Oblivion GOTY saddle-bags. Moreover, loading a horse or a camel is a skill and probably one with more intricacy than controling a nuclear reactor or designing a word processor. Horsemanship could be added as a skill - with loading, combat, and terrain perks (such as being able to ride down steep grades at speed). The level of skill and the loading perk could be used to ultimately determine the load limit of your saddlebags. It would be really cool if the paraphenalia on the horse's back expanded as the load passed specific thresholds and better still, when within your character's load limit plus 850 triens of the horse's maximum load (determined by the player's horsemanship skill), the horse could no longer be mounted but had to be led.
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- Set player-owned horses to essential (Yeah, I know I'm probably in the minority here).
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Why not make stuff like this optional? Methinks more people may prefer your idea than you realise. On the other hand, the risk of loss during dragon attacks fits well with the game lore and themes. Knowing where to leave your horse so that it is less noticeable to dragons, etc. could be an additional horsemanship perk - assuming that horses are modded so they no longer prey on saber cats, bears and the occasional dragon!
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And if anyone has the skill to set up an option for riding in the first person, let's add the trot (a completely different animation) at the current speed of the "canter" - then bump up the canter and gallop speeds to something more believable (and progressively more difficult to control).
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And that's my 2.2 cents including GST.