Stable Ward Rames can place the barding reward on the Paladin Holy Steed (presumably this works for SK's also). Completing the script results in a new AA called "Holy Warhorse," a version of the Fast Pally horse but with the ornate bridle and saddle graphic (barding).
Here's the script....
Stable Ward Rames says "That's a mighty fine steed you have there, Righteous. If I'm not mistaken, that's a Holy Steed isn't it? I see you also have some [barding] on you."
You say, "Yes, I have barding."
Stable Ward Rames says "I'd be happy to put that barding on for you. From then on, you can choose to summon a Holy Warhorse instead of your Holy Steed. Would you like me to [apply] the barding?
You say, "Yes, apply the barding!"
You have gained the ability "Holy Warhorse" at a cost of 0 ability points.
Stable Ward Rames says "Right, there you go! That sure is a beautiful horse."
You say, "Thanks! His name is Fury!"
Righteous
Appotus Dominus
Maelin