Saint Denis fucking sucks

So, I recently just got to chapter 4 and this is my first ever play through and since the start of chapter 2 I’ve had my horse Gigglebill which is a Morgan breed, now Gigglebill gets the job done, but let’s face it he’s slow as fuck. So upon entering Saint Denis I notice the stable icon on the map so I go in and look at the horses and see a black Arabian for something like $1050 and so I leave and debate buying it for a while but eventually I come back and buy it to treat myself. I spend a FORTUNE on saddles and equipment and also just the horse itself. I exit the stable with my new horse and instantly start galloping through the city for about 4 seconds when out of nowhere a civilian just walks infront of me and I trample him to death with my horse. So then im wanted for murder so I try leaving when all of a sudden I’ve got 50 lawmen railing me up the ass and they shoot the fuck out of me and my horse, and I did have horse reviver but I was being shot at so aggressively I couldn’t use it and then I get 360 headshot sniped from God knows where and fucking die, I respawn and call my horse to find that it was not the beautiful Arabian that I had spent my entire pension on, it was Gigglebill trotting his slow ass over so now I’m down like $1700 because of some fucking civilian who can’t cross the road properly.