With the replacement of weapons, You will not have any problems, but the horse can get injured in the middle of the game, at a time when the enemies are aimed at you. Without a horse, You will almost immediately be killed, because if you lose maneuverability, you will become easy prey for other players.
The question of keeping a horse in a viable condition becomes a matter of life and death for You.
Horse insurance Function
The online version of RDR2 has a horse insurance option that can be obtained at any stable. To do this, you need to log in and select the option "Manage your own horses", and then – the option "Insurance". But for this You will have to pay 5 gold bars, which, of course,is very expensive.
Free horse insurance
At the beginning of the game, you automatically get free insurance. So, we recommend not using it until you get the best horse that You want to keep in the game for a long time.
Why do I need horse insurance
If Your horse has insurance, it will automatically start healing when it is fatally injured. Which will make her less likely to die. This can help you especially when you have a lot of fights, attacks, and hunting enemies.
Death of a horse and its replacement
If a horse dies, You will be able to use its standard version on a temporary basis. And to revive your horse, you will need to visit the stable, where it can be revived by selecting the appropriate option from the menu. Wait a few minutes before it is ready to jump again.
