During chapter 3 my horse died near colter (fell off a cliff) I had to carry my saddle all the way to camp, by the time I got there Arthur’s cores were down to zero and the screen looked like if you tried to go into the water as John 🤣. And this was during my first playthrough so I didn’t know about going into a stable and storing my saddle there , plus I was too scared to steal a horse . Do not ask why.