Shattered Kingdoms

So, the Fly spell causes a decrease in probability to hit. I'm wondering if natural flight, such as a griffon/sprites flying, also has this drawback? It strikes me that a flying sprite would be harder to hit than one running around on the ground, but has anyone tested this out in game?

I'm also curious if mounted combat has any bonus'/drawbacks, for non-cabal characters, aside from not being tripped?

Natural flight does not come with the penalties of magical flight -- however, it also is far more physically draining.

Mounted combat means that you lose access to any "footwork" skills.