User blog comment:Spawny0908/UPDATE!!!!: The Free DLC pack is coming in...../@comment-75.18.201.44-20110817120948/@comment-68.207.186.146-20110822155635

If youve ever paid attention, nothing loads until you get near it. Even in the single player you can sometimes enter a town and no one will be there. If you turn around or go inside of a building and come back out though, people may load up. Undead free roam is possible, it would just require to much time and would be complicated to code into a free roam manner.

Also I think you should be able to hook up your horses to a carriage when the current ones die.