I killed the humans and one of their horses during the run quest on hardcore mode. I then looted a noble saddle with 4 saddlebags and packed it through the prologue. I rented a room in talmberg after getting out of the castle via disguise.
I proceded through the game until I got through the ginger in a pickle quest. I left the saddle in my chest in the mill until midway through this quest. I then did some treasure hunting and looting of bandits then bought a new horse. Upon returning to Rattay to sell my loot I was stopped and searched. I failed the persuasion attempt and consented to the search as nothing on me or my horse was stolen.
The guard accused me of having stolen goods with his beyond cheesy pulling my puzzle line and took my saddle which was not stolen.