Just to add, I was forgetting how good some of the non-DAZ free figures are. But if you want a horse, and quite a few other animals, Poser 4 may be the best low-cost option. The Poser 4 horse is the base for a lot of free stuff, but I don't know of a free horse. If you want some basic props, such as a chair to sit on, check Gerald Day's stuff.