Well, now that I'm home and have access to my books, reading the version that says "you" instead of "the character" lends a slightly different feel. It almost seems to use "you" to describe a mounted character as a whole. But it can still go either way, and since I have a slight infestation of rules lawyers in my game, I'd like something a bit more clear...
My reasoning was that, since Ride-By Attack requires the Mounted Combat feat, and since Mounted Combat allows you to make a Ride check and use that as the mount's AC, that this was the accepted mechanic to prevent your mount from being knocked out from under you during the charge. But just to make sure that this'll pass the lawyers' scrutiny, I did more research...
Well, I searched the FAQs, and even checked out Monte Cook's forums and 3rdEdition.org, and still there's no real definitive answer. About the most I got from that is that a mount cannot be used in a Ride-By Attack and use its own attacks, unless the mount possesses Spring Attack. Not exactly helpful there.
However, the Mounted Combat example in S&F, p.66, when Alarion charges past Druga after slaying his mount with a Ride-By Attack, Druga attacks Alarion's mount with an AoO. The phrasing there seems to indicate that Alarion was only immune to AoOs from his target (Druga's mount). Almost seems like Alarion and his mount are considered to be one unit as far as AoOs are concerned, and either can be targeted for an AoO if one of them draws it -- and conversely, both are considered protected by Ride-By Attack. It's still not spelled out in plain English, though.
Hmm. The official D&D website has an example of mounted combat in one of the
Gamestoppers articles, and looks to me that Ride-By Attack does in fact protect the mount as well as the rider...
Tell ya the truth, I'm kinda relieved I'm wrong on this one. With my current players, it's more likely that the opposition will be mounted than it is for them to be, and this just makes things more challenging than I thought...time for me to think about using mounted foes...
