Thanks for the comments.
I haven't been able to work on it today, but every peice are on seperate layers for now, so I can easily redo any portion of it.
The Body and Mane are one mesh, but that is alright, the tires are in 2 layers, (front and back), the saddle seperate layer, and the rope on a seperate layer.
Anyways, I'm using weight maps on the body(my first time ever

)
What I'll end up doing is takeing the body and copying it 2 a new layer, and I'll freeze it at the desired render level, then kill all the poly's and keep the vertices across its back to rail out a better
fitting saddle.
Then, I'm goinging to redo the rail for the pull string for a lower poly count there and subd that as well.
Wheels?! I'll probably just "tab" 'em!
Thanks for the comments.