I added a norway spruce to my vegetation and started really covering the whole scene with forest. Drawcalls are a bit high, around 4k at highest settings, but that's before any optimization so Im not too worried yet. I'm starting to like my terrain layout as I'm populating the scene with more variation. I might stick with it.
For now I'm just importing the characters as brushes, I'll look into importing skeletal meshes and animations later.
At first I thought I could get away without a belly strap for the saddle, but it just looks like it will slide right off so I'll give in and make it.. The horse is based on the North Swedish Horse which is a fairly compact draft horse. They are strong, agile and long-lived and awesome companions.