Saddlebags are coming to wurm, but also slower horses if the bags are filled with stuffs.
Suggestion: A new type of meal which can be fed to a horse to provide temporary boosts in stamina and strength, so as to allow the horse to still ride like the wind despite having heavy saddlebags. Something about pvp...well, in that case, allow this meal only to work on horses with saddlebags e.g. for a horse carrying an empty bag the meal won't have an impact, but the heavier the bag the bigger the impact to balance it out so the horse won't have any impediment to speed despite a full saddlebag.