In the store, one cannot see or buy anything that you aren't qualified for, if I am correct on that. So if I'm not over 75ish level, I'm not able to see war steed cosmetics, or see Riding skill if I am looking on a character that is too new or already has the skill.
So my desire is to have the ability to buy something before I can use it, assuming I could ever use it. I realize that in this case, I would have to store the item and would not be able to use it until the character qualified for it, but I am thinking about limited offers. If I want the bone set of war steed cosmetic, but don't have a character with war steed capability yet, then why can I not buy it and hold it until I can?
Having pre-bought HD, I get a set of war steed cosmetic armor, and it sits in the bank until I can use it. Isn't it in the interests of everyone to have this option? Turbine gets my TP/$ now, I wait, but at least reserve something for later that I may not get to have once I qualify.