I had a general question about encumbrance on horseback. The rules say a horse can carry 10 items plus a rider - do the items that the rider carries count against the horse's encumbrance? For example, if a rider had ten items on themselves, would the horse be able to carry the rider + the rider's 10 items + 10 more items, or would they just be able to carry the rider and the rider's 10 items?
Thanks!