Unless someone else has a horse, I figure I'm probably going solo...

Get horses, chumps.
I keep going back and forth on this. Ultimately, I think I'm going against it for the following reasons:
1. Points are already tight, and I'm not sure where the points for the horse and Horsemanship would come from.
2. I'm guessing we'll have to deal with Difficult Terrain penalties, in which case the horse may not be faster anyhow.
3. S/he probably doesn't Athletics (Climb) well, if that comes up.
3. I can't use Stealth on horseback. (Shinjo Scout rocks. I'm glad we have one in the squad)
If there are terrain penalties (and your horse doesn't have a way to overcome them), perhaps we should pair up?