Glorelendil wrote:[Not sure] Woodmen, Beornings, or Mirkwood Elves are particularly [...] have extras for sale.
Bree, Laketown, or Dale, sure.
I share this idea, and I'd play it this way:
-Some settlements (Bree, Lake-town, Dale,...), specially those that see lots of trade, have ponies and boats for loan or even for sale. In fact, it is probably a business itself to loan or sell transports to traders.
In those settlements, a simple monetary transaction is needed to get ponies or boats, based on the Standard of Living of the characters, as specified in the Rulebook.
-Other settlements have ponies and boats for their own use (or as friends, like the special case of Beorn). They might be the boats they use for fishing, or the ponies used to bring iron from Mountain Hall to Woodmen-town, etc. So, those resources are not for sale nor loan.
But, during the Adventure phase, the fellowship will surely have some interactions in those places, and an Encounter with one of the main chiefs of the settlement. The LM can include allowing the use of ponies/boats as part of the outcome of the Encounter. For example, getting more than 4 successes makes the chieftain of Woodmen-town lend the party some poneis. Or in the case of Beorn, maybe 7 successes are needed for him to tell some of his pony friends to go with the fellowship.
In these settlements, getting a transport might be part of the adventure and a way of fun, even allowing for some small tasks ("If you manage to repair that old boat, then it's yours to take away. It keeps sinking everytime I try to fix it." Player can then call for a Craft test, or invoke the Boating or Woodwright traits.)