losing saddle while riding

losing saddle while riding

     Noticed while looking at something else:  zapping a wand of opening
or spell of knock downwards while riding causes your steed's saddle to
fall off, which in turn causes the hero to fall and take some damage.
If that damage was fatal, the saddle would be left worn in bones data.
This reorganizes mdrop_obj() to defer until last the part that ultimately
makes the hero fall off, and changes bhitm() to call that instead of
handling saddle removal inline, also gives new saddle-off feedback there.