
Daroob |

A horse is a horse, of course of course, can anyone summon a horse, to course?
Seriously, I like charging people from horseback. The problem is, horses don't like to go underground, and are difficult to get to the top of mountains, etc.
Can you fight as normal from the top of a phantom steed? Are summoned horses "Combat trained?" I realize that you would need to sadle them, but a battle ready summoned horse would be handy.
Is there a magic item that reliably summons a useful horse? The bag of tricks only seems to make one when you don't need it.
Cause, if I can't get the party wizard to make me one, or the cleric to summon one, I'm gonna have to use my leadership feat and talk to those winter wolves we just fought...

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Can you fight as normal from the top of a phantom steed?
A phantom steed is a quasi-real creation, not an animal. It doesn't fight, so it has no attacks, but otherwise it moves as the designated rider directs. I'd say you can ride it into combat and charge on it without difficulty.
Are summoned horses "Combat trained?" I realize that you would need to sadle them, but a battle ready summoned horse would be handy.
A horse summoned by summon monster or summon nature's ally attacks your enemies. If you want it to do anything else, you have to communicate with it using Handle Animal or a spell. There's been much debate about whether such a summoned creature is trained for anything, but at minimum, I think it's safe to say there is no evidence that it's trained for combat riding.
A horse or pony summoned by mount serves willingly and well as a mount. However, even a good and willing horse becomes scared in combat if it isn't combat trained.
I think phantom steed is your best option. If your GM is amenable to spell research, a variant like warmount or summon monstrous steed would seem to fit logically at 2nd level.

Daroob |

Figurine of wonderous power. Not that expensive and serves a good purpose.
serpentine owl (9,100 gp)
bronze griffon (10,000 gp)
ebony fly (10,000 gp)
marble elephant (17,000 gp)
invory goats (21,000 gp)
obsidian steed (28,500 gp)Master Arminas
Yeah, I looked at those. But, my DM is cheap, so I don't have that much loot. More importantly, doesn't the obsidian steed periodically cackle evily and take you to some alternate plane where monsters eat your bones? I guess I could ride the griffin, but I'll admit I was hoping for something a bit more... horsey.
As fo the rest, thank you guys so much for your thoughts. I do think that I'm going to have to research the spell, or more accurately ask the wizard to. In the meantime, phantom steed it is. Or the 3.5 clockwork horse...