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Headless Horseman. The Headless Horseman is a headless ghost riding a spectral horse who roams around Skyrim at night. If you follow him, he will lead you to Hamvir's Rest, making various stops along the way. He can easily be followed on horseback, and will sometimes interact with you and his surroundings.
I know they varied in Oblivion but I haven't purchased any other horses in Skyrim as I got Shadowmere early on. Final thought on horses, Skyrim would be 10x better, in my opinion, if companions could ride a horse along with you and if you could use your bow/sword while riding....cavalry charge!!!!