where daggerfall can i get a friggin horse...tired of doing quests and walking to the opposite ends of citys

General store!

Horses and carts are sold at general stores, while ships and houses are sold at banks.

If I recall, the cart has all the mobility advantages of a horse with the added bonus of increase storage space. So if you can only afford one, that's probably the thing to go with.

Also, exchange your gold for letters of credit at the bank. Then, all that filthy lucre won't weigh you down as much.

I think you start with a cart.

Ships are in coastal towns' banks. Daggerfall, Wayrest, and Sentinel are among the towns that are both coastal and actually have a bank.

Horse is a thousand coins though the cart seems better...

If your DosBox cycles are optimized, and all creatures and people are walking in their correct speed, then you will realize that the horse is slightly faster than a cart.
Also the cart has same speed as your running. But you don't get tired.