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If a rider was successfully grappled by an opposing threat, who had both mounted combatant feat and saddle of the cavalier would this dismount them from their steed?

Context: my character with both mounted combatant and saddle of the cavalier was attacked by a huge dragon, which could consume foes whole if successfully grappled and were at least Medium in size. I argued I could not be consumed while on my steed as while on my steed, the steed and I would be one large creature (warhorse - find steed). However, my DM ruled I could be dismounted from my steed if I was successfully grappled stating that saddle of the cavalier did not protect against attacks being made at me for being dismounted, only my steed. I disagreed as nowhere does the saddle of the cavalier state it only protects against attacks made at your steed that could dismount you, however respectfully followed the DM's ruling.

Saddle of the Cavalier states:

While in this saddle on a mount, you can't be dismounted against your will if you're conscious, and attack rolls against the mount have disadvantage.

And mounted combatant says:

While you are mounted and aren't incapacitated… you can force an attack targeted at your mount to target you instead.

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    \$\begingroup\$ Welcome to the stack, Shameless! Take the tour when you have moment. It is not clear to me what game you are playing, could you edit in the appropriate tag or leave a comment to let us know what game (and edition if applicable) your question is about? \$\endgroup\$ Mar 20 at 14:58
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    \$\begingroup\$ Hi, Shameless. I've got reason to believe that edit was made by you and so have approved it, though I'll offer the suggestion of logging in again so you don't have to go through that approval process for your clarifications. It'll also allow other interactions, such as marking an answer as accepted and commenting (should you find such a need). \$\endgroup\$
    – Someone_Evil
    Mar 21 at 16:14
  • \$\begingroup\$ Thank you both, duly noted, I hope all should now be clear. I welcome any helpful insights into understanding this debatable part of D&D. \$\endgroup\$
    – Shameless
    Mar 21 at 16:39
  • \$\begingroup\$ I was slightly disappointed to reach the end of the question and not know if in fact you were consumed whole, although I suppose that is off-topic to the question. \$\endgroup\$
    – Jack
    Mar 21 at 16:44
  • \$\begingroup\$ Similar: rpg.stackexchange.com/questions/188451/… \$\endgroup\$
    – Jack
    Mar 21 at 17:35

1 Answer 1

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I answered this question as part of an answer to a similar question.

"Dismount" is a game term defined in the rules for mounting and dismounting.

Here are the things from the mount rules that the Saddle of the Cavalier prevents:

Mounting and Dismounting


[...]

If an effect moves your mount against its will while you’re on it, you must succeed on a DC 10 Dexterity saving throw or fall off the mount, landing prone in a space within 5 feet of it. If you’re knocked prone while mounted, you must make the same saving throw.

If your mount is knocked prone, you can use your reaction to dismount it as it falls and land on your feet. Otherwise, you are dismounted and fall prone in a space within 5 feet it.

This is what the magic item description is referring to when it says "you can't be dismounted against your will". The idea here is that the rules define for us what it means to be dismounted against your will.

Getting swallowed is different from being dismounted.

Being swallowed is not covered in the rules for mounting and dismounting, because dismounting is a specific thing defined in those rules. The Saddle of the Cavalier will not prevent being swallowed, because it is not the same thing as being dismounted.

To me, this makes narrative sense. Being really good at riding a horse isn't going to prevent you from being removed from your horse by a giant dragon that has you in its jaws.

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