For the riding abilities, you could keep them separate as "whole" abilities (Ride =13, Ride Fast =17) and play as follows:
PC1: "We canter towards the hamlet slowly, lest the villagers think we are a
raiding party."
PC2: "Bah! I want the wind on my face and my hair and fine cloak billowing
out behind me!"
sjjh (there's nothing I can do about the NOTCIE AND DISCLAIMER, sorry)
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