Editing Hirelings & Transportation (section)

==War Horse==

*AC: 7
*Hit Dice: 3
*Move: 120' (40')
*Attacks: 2 hooves
*Damage: 1-6/1-6
*No. Appearing: 0 (domestic only)
*Save As: Fighter: 2
*Morale: 9
*Treasure: Nil
*Alignment: Neutral

"This type of horse is bred for its warlike temperament and strength. It cannot be ridden long distances at high speed, but is powerful in a short charge. A war horse can carry 4000 cn at full speed and 8000 cn at half speed. When charging, a rider employing a lance will do double damage (if a hit is successful) [NB: This is nerfed to 1.5x damage in my campaign since no one has stirrups---JS], although the horse may not fight at the same time. After the first (charging) round, both rider and horse can fight normally. (X34)"

The Expert Set states that "[a warhorse] cannot be ridden long distances at high speed, but is powerful in a short charge. (X34)" 

Also, remember that the warhorse can move at 120' when carrying 4000 cn, which is over twice as much as a human moving at 30' can carry, so in practice a warhorse is generally faster than an adventurer.

Remember also that "[w]hen charging, a rider [of a warhorse] employing a lance will do double damage (if a hit is successful), although the horse may not fight at the same time. After the first (charging) round, both rider and horse may fight normally. (X34)."

Lance + warhorse damage is nerfed to 150% of normal in my campaign due to the fact that nobody has stirrups, but otherwise lance + warhorse functions the same.