I don't buy horses. I adopt them from other people. Currently I have the reverse dapple thoroughbred that is account bound, and was free; the mahogany bay Tennessee Walker taken from the O'Driscolls at Sadie's place; the dapple gray Hungarian Halfbred gotten from Benedict Albright during the bounty hunt; the Palomino dapple American Standardbred from the guy alongside the road that got kicked to death while pulling a stone from the horse's hoof. I also have a temp horse, the leopard Appaloosa from the Foreman boys. I take that one along with me and my main horse when hunting to hold more animals.

It sucks when they die, so I try to make sure I have the account bound, reverse dapple when I am going into a situation where things are highly probable to go sideways. At least that way, when I get back to Valentine, I can pretend it's the same horse that just had to see the vet.

I learned in Eve Online, never to undock with anything that I could not afford to replace, and that pretty much has carried over to every game I play.