First, tell me the drops are the same in the beta as in the real game; or are you psychic enough to predict how much loot you'll get from enemies or loot from chests? How fast are we going to be able to save the gold for a mount? I have no idea. I do have the elderscrollsonline site that has information about the horse in the collectors edition. It is a horse. It is white. Nothing about it being faster, stronger, have more containers, ability to pull humungous wagons, or leap mountains in a single bound. It is official information.
Who is a "regular" and how do you tell if someone is one? If I can really play one day/evening a week regularly, does that count? Or are you talking about someone who quits their job and lives the game 23 hours a day or something? Who will save enough gold to get a horse first? I don't know; are you willing to pass up upgrading your gear? Gonna depend on how you want to play.
I honestly don't understand your last sentence. If it is a regular horse, it will be the same speed as a regular horse. If the stats are identical to other horses in the game, then I'm not getting why you think the speed will be different. According to information out, you can customize the horse to an extent, so if I'm feeding mine whatever it is that adds to speed, mine will be faster. If I'm feeding mine for carrying weight, then yours will be faster. http://teso.mmorpg-life.com/eso-interview-with-maria-aliprando/
Please note the "right now". Things can change until the game is "gold", so things may change.