I happened upon RDR2 very early. The gold bar glitch hadn't been updated. Out of curiosity I went back and forth to Limpany to see how much money I could accumulate, I quit at $80,00.00. I stole a Rose Gray Arabian in St. Denis before the upgrade. I've been privileged the whole game.
I only ride the Rose Gray (Pea) and stable the Black & White. I've tried all the others but they didn't have the extra spark so I always return to Pea. I find the Arabians a bit high spirited but because of this I believe they warn of danger a bit earlier than some of the other breeds. With the Rose Gray I've outrun many predators, animal and human.
I've completed the story and now am finishing up all the loose end's. I find this to be harder than following the story line.