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Agree
Many years ago, my wife wanted to buy a horse. I was inclined to get an airplane. Fortunately she is the logical type and, using most of David's criteria, we decided on an airplane. It was a PA-28. We have an O-2A now, but in that much time, we would have probably needed another horse, too. Even now, with an O-2A, I think that the cost benefit analysis of plane vs horse still favors the plane.
The cost of tack, riding apparel, and other accoutrements might also be included in the cost analyis. It might however, be a wash considering all of our pilot accoutrements.
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