Rystil Arden
First Post
Exactly.
If you think you take the opponent without harming the horses, you do it. If you think the horses are your opponent's weak spot, you exploit it. Easy as that.
Of course, a stupid ogre might not think to smash the horse, and a mountain lion (or, for that matter, a dragon) wouldn't have reason to keep it.
RC
Absolutely. And even the stupid ogre will eventually attack the horse if the mounted player keeps outrunning the ogre and playing hit and run because the horse is too fast for the ogre to catch up. If the mounted character is staying in melee with a melee combatant and trading full attacks, the opponent will aim at the character. On the other hand, a ranged opponent who has long range attacks will attack the horse if they think they can kill it fast enough to get more attacks on the character after the character is forced to walk (300 feet away, the horse could run up to you in possibly 1 round, but the full-plate-wearing rider takes 5 to clank all the way there, so you actually get more attacks on him by killing the horse first).
Bottom line: If you are going to use your horse to make life miserable for the opponents, expect it to be attacked. If you don't then they are wasting their attacks on the horse and will attack you.