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There are three riding attributes you can upgrade at the stablemaster.
1. Speed. Upgrading speed makes your mount faster.
Once you upgrade speed 20 times, straps are added to your saddle (legwarmers are added to cat mounts).
2. Stamina. Upgrading stamina makes it harder to get knocked off your mount by damage.
Once you upgrade stamina 20 times, armor is added to your mount's head.
3. Capacity. Upgrading capacity increases your inventory space.
Once you upgrade capacity 20 times, saddlebags are added to your mount.