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Message: <blockquote data-quote="Spatzimaus" data-source="post: 428010" data-attributes="member: 3051">The movement effects for being overloaded are the same as for wearing armor, although the closest I can come to proof is page 141 (Carrying Capacity), second column:"Like armor, your load gives you a maximum Dexterity bonus to AC, a check penalty (which works like an armor check penalty), speed, and run factor, as shown on Table 9-2.  Carrying a light load does not encumber a character.If you are wearing armor, use the worse figure (from armor or from weight) for each category.  Do not stack the penalties."On p.142 is a table of the penalties for medium/heavy load.  Medium load is similar to a Breastplate (but slightly less Armor Check Penalty), Heavy load is similar to Banded/Full Plate.  The important part is, the movements for medium/heavy load are identical to the movements for medium/heavy armor, for players moving 20' or 30'.So, since Barding appears to be the standard 2/3 speed (table, p.114) that player armors give, and the encumbrance movement penalties on p.142 seem to be identical to medium/heavy armor, I'd say that a horse carrying a medium load goes 40' and can run x4, while one carrying a heavy load goes 40' and can run x3.</blockquote>