Horses?

[Phil Masters]

If you've got the option of Riding skill, but no detailed rules for using it in action, or stats for horses, then the DF thing to do is probably offer situations in which it gives a quick mechanical benefit. Say, off the top of my head...

Characters can rent horses for $10 a day each, including upkeep. There's a network of livery stables with mutual trust, so you can pick up in one place and drop off in another. They halve travel times between The Town and The Dungeon or whatever, but you'll need one NPC Ally or Hireling for every four horses to tend them while you go into the dungeon (and those NPCs will of course need their own horses). The entire party must make a Riding roll for every day of travel; on a failure, lose 1d FP that can only be restored by a full night's rest, and on a critical failure, you also take 1-2 points of damage from a fall. It's up to the GM to set up situations where travel time is important.

Expand from these rules for things like monster attacks on horses once you have stats for the things.