3 PD as a HA is a bit weak, of course you will annoy people but 4 HA is good enough, 5 is better but there is no point of accuracy when you have very little damage. When you vs a plate user or hell even a mail user you will do little to no damage at all. I would try out Murchad build which is -
Pure HA
15/24
5pd
6rid
8wm
4ha
WPF:173
Word of one of the best Horse archer i know
All credits go to Murchad -
Pure HA
15/24
5pd
6rid
8wm
4ha
I have been having fun doing 3ha builds using my elite scimmy lately but the build i just listed is the best level 30 HA build, good accuracy and dmg
after i retire this time i am going to stop retiring and keep leveling, i am going to do the same build i listed and then convert all my stats to skills after lvl 30 and do 5ps and get 8riding, if i ever get above that ill put points into athletics.
in theory if i did get to the level 35 level cap i would have this build
15str
24agi
5ps
5pd
4ha
8wm
8riding
8athletics