It's a pain no doubt. At your level you should be starting to do focus attack on a horse over and over again. If you are not guilded then you need to stay under the protection of the guards but if you are guilded you can be anywhere in the trammel facet, this avoids killing your horse in one hit (I think this is correct someone correct me if I am wrong). Once you hit 90 do ds (deathstrike) all the way to legendary on your horse. Since your horse will not damage you, it is a good ideal to max out lmc (40%) and mr, this will help you cast more spells in a given period of time which helps with faster skill gains.