Best to get taming, but depending on what you wanna mine you can get a pretty close horse spawn. I'm staying in Hyl and you can get horses v fast, which results in them being like 3-8g. In other places, there are different economies. A lot of them are controlled. All animals are pack animals in this game (afaik, no diff in carry.)
If you wanna tru mine you could get a second mount to carry more stax. That's what I would do w/ a molva in 1. Get like 14-16 stacks or w/e and call it a day haha.
But the things you want are "close horse spawn...," type doesn't matter. Then a horse bench, you can make bags w/ regular leather as soon as you open up the menu. Then you're all set! Go mine.