The black raven |
Matthias_DM wrote:
I'm just curious...
A riding dog has an armored individual on it's back, can the dog swim in the water?
Is there a penalty for the armor?
If the dog itself wears a barding, it suffers from the associated armor penalty.
Otherwise, just apply the penalty due to the total encumbrance he is carrying (rider, armor, weapons, equipment).
Note that armor penalty and encumbrance penalty do not stack : take the worst of the two.