Riding horses and Warhorses have a big price difference, so I'm trying to figure out their different abilities, beyond the barding thing.
On the PHB all they say about Animal Handling is :"When there is any question whether you can calm down a domesticated animal, keep a mount from getting spooked, or intuit an animal’s intentions, the DM might call for a Wisdom (Animal Handling) check. You also make a Wisdom (Animal Handling) check to control your mount when you attempt a risky maneuver."
Would it be considered a "risky maneuver" to ask a common Riding Horse to get close to a dangerous creature? And within this rules, would it be too much to ask for a Wisdom (Animal Handling) check to keep control of a mount not trained for combat after it receives damage (it gets spooked)?