Pack Horse
Cost ~2000
hit points ~60
body armor ~5
requirement 1 (0 would be even better)
horse speed ~37
horse maneuver ~33
horse charge ~5
basically a shite horse that has absolutely 0 survivability, its for transport only with low gold/skill investment. it would be an absolute deathtrap to attack anyone with but has decent speed for getting around places.
alternatively could just make sumpter require 1 riding ;D