Horsemen of the Apocalypse

[Legbreaker]

Worth bearing in mind that even somebody with no skill can sit on a horse and generally get it to go in the right direction. That's represented in 2.x as defaulting back to the controlling attribute.
Actually having some skill represents being able to do more than just sit there. Being able to do it well, takes a hell of a lot longer than a few weeks too!
My sister is 41 and has been riding competitively since she was about 6 years old. She's STILL taking lessons twice a week even though she's of olympic skill level.

A lot of it comes down to the horse though. A well trained horse with the right temperament in T2K would be worth more than it's weight in gold. A poorly trained horse, or one with an "attitude" is worth little more than the meals it can provide.