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One of my players is a Samurai wearing leather armor (he plans to multiclass with gunslinger so he's keeping his armor light for now). When he's on his horse, I've been modifying his horse's speed as if the thing were carrying a medium load, based on the fact that the combined weight of barding, the player's gear, and the actual weight of the player himself pushes this thing into medium load territory. Am I ruling this correctly when I account for the character's actual weight, or is that something that is usually (or even supposed to be) waived?
And before anyone asks, yes, i have taken into account that the horse is a Large quadruped when calculating carrying capacity.