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Question came up on this part of cavaliers ignoring the armor check penalty when making a Ride check to swift mount or swift dismount their personal mount companion.
This is the section in the rules:
A cavalier does not take an armor check penalty on Ride checks while riding his mount.
Is the act of mounting and dismounting (swiftly) part of "while riding his mount"? Or is it an area where he's not riding (yet or anymore), so his armor check penalty would count when he tries to quickly get onto his horse?
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I would imagine that as long as he's either mounting or dismounting his own mount companion (personally, I'd have preferred to call this his "steed"), he has no ACP. I would say any ride check involving the cavalier and his steed (See how that works?) doesn't have the ACP.
Any other horse or beast of burden, the ACP applies as usual.
The cavalier is such a limited class to begin with that it would be, IMNSHO, sadism on the part of the DM to further limit the class by turning the full plate cavalier into a keystone cop everytime he tried to get on his mount in battle.
He's an expert in mounted combat... provided you give him a 10 minute warning and a stepstool everytime he needs to mount up.
Clearly, the problem comes from the wording "while riding his mount" and when is that applicable.
I think it should be interpreted exactly how IVV said. Any ride check involving the cavalier and his specific steed would ignore ACP.