I have puzzled about this and decided on things like "Warhorse 17, Swift 13". My reasoning was that you are tryong to define what is special about this horse rather than what it has in common with other horses. I'd let warhorse add AP in combat (and probably augment riding), but not much else without penalties. I'd use swift on its own for some tests, but probably use to enhance standard horse abilities for others. I'd take standard horse abilities for granted (just as I'd take standard follower abilities like Speak Sartarite, or walk for granted).
Thom
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