Upkeep is a bitch as cav. With mid tier gear. (Heraldic with surcoat, lance, KAS, gotland, chaissers nd mail mittens with a rouncey) it is hard as fuck to make a profit. This is already $50K worth of gear, and is barely sustainable, with a slight gold increase sitting on a x5 multi.
I think that riding skill should decrease the upkeep on ponies, or upkeep should be removed from low-tier horses (< palfrey)
This would be balanced, as
1 riding skill = -5% horse upkeep
This would really ease the strain on cav costs, and plate wouldnt be sustainable as the reduction margin isn't adequate for high-tier gear builds.