You have excellent choice in gear, but you're right, it is on the tad expensive side. As latvian was saying, you need better foot armor. You can sacrifice some body armor for it, im assuming. I don't think you want to use heraldic though otherwise you would probably already be using it. based on your taste in gear I've tried to find you cheaper look-a-likes more suitable for your pricing range.
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login You don't need good head armor, you'll rarely get hit in the head and you have a shield to defend against ranged attacks.
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login This was the closest thing I could find to look like the armor you're using, or you could just use the sarranid mail shirt if you like the sarranid stuff.
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login The boots are important because you will be hit in the legs a lot as a horseman. These fit the sarranid theme and provide 39 leg armor including the body armor i reccomended.
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loginIf you're new to the game and low on money use a rouncey. It's a good starter horse and if you ever sell a loompoint or have money you can get a better horse. When you get lucky you could upgrade to the palfrey that you already own.
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loginI'd downgrade to the long arming sword. Same length, one less cut damage. A lot cheaper. Same pierce damage.
The shield you're using is great.
The gear I've just listed adds up to 24,083 denars. Your gear adds up to 34,938 denars. The gear I have showed you is 10,855 denars cheaper.