Anyone should be able to ride a horse, just like anyone today can drive a car. However, when you get into tense situations like chases scenes or mounted combat you need to be skilled in order to handle the situation.
Attacking from horseback
For each level in Warrior
Penalties
Shooting from horseback -20
Shooting from horseback while moving -40
Spears & Lances
Divide the STR of the mount by 5, this is the bonus damage caused when charging. For instance a horse-sized-plant-eater has 40 STR, it would cause an additional +8 damage (40/5 = 8)
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