I think that when you buy a warhorse, you should have a choice. You can pick the sickly one with minimum HP for a discount, or get the incredible one with max HP, for premium.
Of course, it helps if you have Animal Handling so you can judge which horse is which....
I've sometimes considered allowing replacing a Fighting Style with an appropriate martial feat (in which case you could at a later level spend a feat to get a fighting style). They seem fairly similar in overall power.
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I think that when you buy a warhorse, you should have a choice. You can pick the sickly one with minimum HP for a discount, or get the incredible one with max HP, for premium.
Of course, it helps if you have Animal Handling so you can judge which horse is which....
I've sometimes considered allowing replacing a Fighting Style with an appropriate martial feat (in which case you could at a later level spend a feat to get a fighting style). They seem fairly similar in overall power.