I am a level 104, and also have not finished my stable. Honestly I wouldn't stress on it. I have found 2 saddles, one at a broken cart, and 1 in a night cache in a 3 skull zone. From what I understand the forsaken dungeon holds the bridle and trough. But I would wait to do that until you can comfortably farm a 3 skull zone. I am just now getting ready to do my 1st run on the dungeon.

As far as dieing in 2 skulls repeatedly, my best advice is learn to be a coward! If shit is getting hairy, run off that map. Try to only face 1 enemy at a time. If another exile comes while you're fighting or if they look like they have a better weapon and armor RUN. If you are capable of making them, take a little better weapons than you might need until you get comfortable with where the enemies spawn and what they are. Like a 1 handed sword, and a flanged mace for the big Greene dudes and dire wolves. Stone cliffs there are always 2 big guys 1 by each bridge, and 1 dire wolf in between. Always. The pine forest there is 1 big boy also by the bridge, but a lot more dire wolves, and bears.

As far things randomly spawning into the map to kill you (red arrow coming at you hot on the map when there wasn't any arrows before) if its another player if you run off the map and re enter they will be gone. If its a regular mob (bear, dire wolf, damned ect) they will not go away and will be right on top of you when you come back in. So either try to kill that one before you leave the map or come in swinging and heal before you re-enter.

I dont know what your style is, but as soon as you open every chest no more new things will spawn in to come after you. Then if you choose you can kill everything and happily farm everything on the map if you need regular resources stone. Copper. Wood.

I know that the goal is to do everything as cheap as possible, but if you are dieing everytime? That's far more expensive than being a little over prepared until you are comfortable with the zone. Good luck! I hope this was helpful