Re the rider's move-equivalent action while mount is moving - I rule (interpreting the stated rules in PHB) that this does actually have to take place while the mount is moving, or else it's lost - ie the mount can't move then you get a move eq + standard on top, after the mount has finished moving you only have a standard action left, like attacking once. This was more clearly stated in 3.0, 3.5 really muddied it up.
I houserule that quick mount/dismount as a free action has to be combined with a normal move to be free, otherwise it's still move-equivalent, ie same as drawing a weapon. It seemed pretty obvious to me that (dis)mounting must take at least as long as drawing a weapon!
I houserule that quick mount/dismount as a free action has to be combined with a normal move to be free, otherwise it's still move-equivalent, ie same as drawing a weapon. It seemed pretty obvious to me that (dis)mounting must take at least as long as drawing a weapon!