Saddle

Saddle use is assumed in the Land-based Riding proficiency unless a character is specifically from a culture proficient in riding bareback. Any other character who tries to ride without a saddle is subject to special riding checks at the discretion of the DM. (A general no-saddle penalty of -2 is suggested.)
In a typical campaign, available saddles will be based on types used in the mid-to-late medieval period.
By this time period, the saddle had evolved through many changes in design. The basic saddle includes the frame (called the tree), the front end (called the pommel), and the back end (called the cantle).
Elven saddles are made of wood and pliable, fibrous plants. Halfling saddles are soft and well cushioned. Gnomish saddles are painted and decorated with thin layers of silver, gold, or semi-precious gems.
Orcs and goblins use saddles that are quite small, with fairly distinct pommels and nearIy invisible cantles.

War Saddle

The knight's war saddle takes on huge dimensions. They typically exhibit high pommels and cantles, and are often covered with steel or brass plates or are decorated profusely with silver and ivory inlays. These usually have rings and straps for attaching barding and heavy stirrups.

Pack Saddle

A pack saddle is any device designed to be secured on the back of a horse, mule, or other working animal so it can carry heavy loads such as luggage, firewood, small cannons, or other things too heavy to be carried by humans. Ideally the pack saddle rests on a saddle blanket or saddle pad to spread the weight of the saddle and its burden on the pack animal's back. The underside of the pack saddle is designed to conform well to the shape of the pack animal's back. It is typically divided into two symmetrical parts separated by a gap at the top to ensure that the weight being carried does not rest on the draft animal's backbone and to provide good ventilation to promote the evaporation of sweat.
The pack saddle consists of a tree, or the wooden blocks that sit on the horse's back, the half breed which is the canvas saddle cover, the breeching and often a crupper which prevents the loaded saddle from sliding too far forward and the breast collar which holds the loaded saddle from sliding too far back on the packhorse or mule. The flexible bars on this packsaddle adjust to a horse's back and offer several options for hanging panniers, manties (packs wrapped in canvas), or other loads.
There are many types of pack saddle:
Crossbuck / Sawbuck pack saddle has crossed wooden bars to attach sling ropes.
Otago pack saddle, known in military use as the British universal pack saddle, is a rideable pack saddle with two large cushioning pads to prevent injury to the animal and large hooks on each side of the metal pommel and cantle arches for hanging pack bags or crates.
Decker pack saddle has two rings for tying sling ropes.