Horses should be able to swim if person riding them has swimming on.
Since everyone in this game eats fatty stuff every day the horse stamina goes down way quicker if swimming while still on it's back. (Comparable to 4th or maybe non-existent 4.5 or 5 speed)
If taking effort to leash horse and swim across yourself it is much less burden on the horse and should take stamina at rate of 3rd speed.
Not allowing to swim on horses is stupid because people just work around it with crossroads which is less realistic and not cool.
But yeah it would be hilarious if someone thinks it's a good idea to swim across on a horse's back and then someone else does the hearth magic so it dances in the water until it drowns with it's owner
