mmm...is horseback riding really affecting? it'd be interesting to know if that's true. I'm upgrading HR to lvl 7, hope i'll not regret it.
Didn't try a lvl 5 npc yet.

It 'd be interesting to know if ppl with HR higher than 7 were able to get a lvl 5 npc with about 500 bal and no losses, as seems to be possible with low HR.

Any report?