I think more backgrounds/guilds should have riding available to them. I know
that this could be a min/maxer problem for combat, but why not make it so if
you have 0% combat riding you get the message:

Fight whilst mounted? Are you insane?
Your mount bucks you and runs away. (-50hp)

I mean if any tiger can steer a ship, then I think that most people should be
able to ride a tame mount with appropriate mount gear. Obviously some
limitations would be appropriate (must have combat riding for
chimera\'s/drakes/water beasts/etc...).

I think that an elder nun should have the ability to ride a goat, or a female
druid on a unicorn. Or an evil priest riding a black panther.

At the moment there are so many of the wonderful outworld beasts that are just
not worth taming. How about a Sprite riding a stoat!