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So it's not better in any aspect as far as I can tell. The only reason I would think you'd have to buy it with a skill point is if you need it to progress to a winged mount.
I took a screenshot of both of their stats since the game doesn't really let you compare (at least, I didn't see the option to) mounts. You have to switch back and forth and you can only do that once per turn
Current stats:
HP: 3192
A: 100
L: 72
S: 80
MA: 55
MD: 50
WS: 450
C: 70
Modified stats:
HP: 1365
A: 100
L: 70
S: 66
MA: 55
MD: 45
WS: 450
C: 70
So "upgrading" to barded reduces health by ~43%, along with reducing leadership, speed and melee defence for no discernable improvements.
I guess i'm not too fussed because i'm gonna be aiming for Griffin and you don't need to fully upgrade the horse/Pegasus, so i can skip the Barded Warhorse. But it's mostly curiosity over whether there are some hidden improvements not shown on the display panel.
It says + 20 Armor - 14 Speed.
Also choosing the mount increases the General's health by 558.(Ultra Unit Size).
Regular warhorse is great for Lord and Hero for get there fast for leadership on troop in early of game, Often Lord and Hero often help troop by flank enemie fighting but I found that too often it's too much trouble to get Lord or Hero ran from fight and re-charge into enemies again and again to get charge bonus, but that is not their real job, speed is importian for lord and hero to get out of danger at all cost at same time keep aura over trooper to better fighting or longer.
I just click enemies charge once, and very busy to think and look ect where to ensure all other troop busy so I don't had time to do withdraw battle and charge again and again so petty much barded is worthless for lord and hero, but 45 units men, maybe. but I just click once, fire and forget. so charge is not worth my time, Melee attack and Melee defense is far more importian than charge in the long fight. Barded Warhorse look great, it's just not useful when there is better mounts or combat power is better without mounts, depend on who fighting enemies that had lot of spears.
Because of the increase to the hidden stat of "mass", which pair better with the armor for ranking the lord or agent as "heavy cavalry."
Here's the thing you have to understand about Warhammer (and Warhammer 2 for that matter) : all units have a "mass" stat that influence the impact, acceleration and disengagement during battle. Those stats, as previously stated, are hidden to the player (like "accuracy") but do have a significant impact on gameplay (in fact, they're the ones triggering the damages dealt by the "Charge Bonus" stats.) To put it simply : the heavier a charging unit is compared to the one it's charging at, the higher the damages it will inflict. Additionnal factors, such as speed or topography, can heavily influence the damage outcome of the impact. But, typically speaking, even with similar "Charge Bonus" stats, an unit of Empire Knight charging in an unit of "Swordmen" or "Bleaksword" will deal substantially more damages than an unit of "Dark Raiders" with comparable stats (with appropriate traits.)
So, to answer the original question, the "reason" for choosing to give a Barbed Mount to a Lord and/or Agent depends mostly on the composition of the army they're embedded into. In an army comprised of light cavalry - Pistoliers and Outriders, for example - a Lord on a simple mount is helpful at providing support and intercepting ennemy light units aiming at engaging them into melee (marauders or warhounds), or providing a strong escort to a mage on simple horse (yet to unlock Pegasus.) Conversaly, in an army composed of heavy cavalry - Empire Knights, Reiksguards and/or Knights of the Blazing Sun - the addition of a Priest of Sigmar on a Barbed Mount gives an increasing impact and staying power onto ennemy lines (which is dreadful when executing hammer & anvil manoeuvres.)