Quote:
Originally Posted by Kenneth Latrans
ST for human torso/arms
Extra HP to equal a horse
Lifting ST to equal a horse
Striking ST(Single Attack Only: Kicking) up to the horse's ST
That's how I'd do it.
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Note that this make them exceptional wrestlers with their human arms, and has their humans arms only being crippled at the higher limit set by overall HPs. Also weakens their damage with a Lance, unless you houserule either using HPs or Lifting ST for that.
To Tbrock1031: Accessibility is more or less what we're using here. Anthony actually goes so far as to call it "Not For Manipulators" (rather than just using "No Fine Manipulators") and having it worth -40%.