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Other than that, you either need to kill the horse (if possible), or use a mod. U?sing the console to disable the horse apparently doesn't work, as it will just reappear once you fast travel again.
CH doesn't really appear in your game, unless you are using it's features. The option to simply tell your horse to "go home" is already worth a lot, but ability call it after raiding some bandit infested mine (which you mined bare) is golden. Horses can carry quite a lot and CH allows them to be trained to carry even more.
If you really do not want to mod, then steventirey presented all options in hand.
I am not riding a lot, because my character relies on stealth, but just having the horse on call when needed is actually quite nice.
or Immersive Horses - https://www.nexusmods.com/skyrimspecialedition/mods/13402
is good. Basically it is a toss up - you can't go wrong with either.
Ilja uses Convenient Horses, and I use Immersive Horses - and we are both happy with our choices.
I happen to do a lot of riding in the game (it's my main means of travelling any distance that is more than a few cells away), and quite enjoy it.
AFT should have option to disable follower mounts.
Amazing Follower Tweaks SE AE author recommends using Simple Horses with it, which has less features that what got linked above and might actually better suit for your needs.
Simplest Horses (and other mounts)
https://www.nexusmods.com/skyrimspecialedition/mods/54225
Rent a horse from a stable and ride it a short distance when you get off it will go back to its home and you can fast travel without a horse.
Rent a horse? Unless some creation from AE DLC has changed the behavior, you can only buy horses from the stable, not rent them.
Why bought from the stable they are owned and game will keep loading the last used owned horse after fast travel event.
If you don't want to install a mod for this little thing, you can do two things: steal a horse and ride around with it for a while. I am not sure why this one does not work. Probably the modded horse has a different behavior?
Another more radical solution is ... to kill it.