Not to mention that if your horse wanders to the spawn point, you'd likely set it off right on top of him as you tried to get closer to mount the horse and tripped the spawn yourself. Also for RP purposes, it's usually a bad idea to summon your horse inside a city building or deep within a cave past a good deal of monster guard spawns. Certainly blowing your whistle in the Underdark when you left your horse topside would be a suicide mission for the poor mount, and the bank might foreclose on him if he scuffed up the finely polished flooring.