Greeting!
A another suggestion is coming from this side, i hope they prove some kind of use
My suggestion is two stages.
First the creation of a purchasable Horse, following the golem system.
You can buy a item called Horse Whistle [Black Cordor Mare]
The item bracelets explains the grade of the horse the whistle contains, once used spawns the correct horse (emote comes running) and joins the party.
You can use the item to unsummon the horse equally (emote, it knows the way back and runs off).
If the horse is slain, then the item breaks, and the horse is "officially" dead.
Second part of the suggestion is that horses of different variety and even rare variety randomly spawns through the rare encounter, either by themselves or part of other spawns, which you can capture with lasso and bring back to a horse wrestler at any major city hub, and for a small fee with generate a horse whistle of that type for your usage.
Could even be nice if people could name their horses, but in general it would allow for a person to "own" their own horse rather than running of with the locals stable masters price mare, much to his despair.
[Horse] Horse, Horse, Horse,
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