Working through it, I think maybe that "one pony or boat" is really just to clarify that Martial folk can only pay for their own share where ponies are concerned--though it would seem to make sense that an elf borrowing a boat from the Woodland realm would be able to transport others in it, so that's a bit odd I agree.
I'm not sure that you can just apply the affect to those that can afford it--this wouldn't make any sense with a boat journey. Though I suppose you could explain it--those that couldn't afford it have worse quarters/conditions so don't get the fatigue benefit? Not sure. I would think it would make more sense to say that the company cannot secure passage if they cannot afford it according to the SOL rules. The ponies and boats section says that, "the adventurers must be able to afford the expense," which makes me think its a group calculation from the plural.uhu79 wrote:if he/she cannot afford it (and noone else is jumping in) then he/she will not benefit from the effect.
Two complications to all this are that Rohan switches the price for horses into monetary values, abandoning the SOL model, and Journeys and Maps doesn't add any additional information or clarifications about acquiring boats--even for the new sea journeys.
Have to say, this is not the easiest ruleset to wrap your head around.