I don't think that the differentiation between fencing and non-fencing melee should be pierce vs slash, saber fencing for example should be cut/slash.
On horse maybe the point would be that there is no foot work, though you may be parrying quite often you'll be slashing while riding past, and also there is less of keeping enemy at precise distance etc. therefore my gut feel is for fighting from horseback to not use a fencing skill.
BUT most swashbukling games I know of do use fencing skill for cavalry fighting. They use sub styles/skills and cavalry style is often one of them. Apparently the style is quick slashes for those times that cavalry are next to each other. Medieval brute force attacks are often governed by a Old School style. Cavalry style can also be used on foot. So with reference to my above paragraph, what would I know.
I'd use Targan's idea, relating the effective skill to riding skill in the end.
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