The devs already posted in another thread.
At the moment only two of the three skill looks can show at once.
So if you have all three stats above 20, you lose the saddle bags. Are you sure the ones you are seeing have all three looks including the speed blanket?
BUT they are looking at adding options, so you can toggle the three different looks (show armor, show speed blanket, show saddle bags)
Just have to wait to the next big patch.
We're actively taking a look into this @aneova_ESO. We're investigating missing horse aesthetics, as well as a manner of toggling the various accouterments to your liking!
We're actively taking a look into this @aneova_ESO. We're investigating missing horse aesthetics, as well as a manner of toggling the various accouterments to your liking!
Probably goes without saying, but I'll say it anyways:
Could you please pass along the idea of making these toggles character and mount bound instead of making it account-wide? So that the mount we summon on one character doesn't have to look the same as the same mount summoned on another character.
We're actively taking a look into this @aneova_ESO. We're investigating missing horse aesthetics, as well as a manner of toggling the various accouterments to your liking!