Ally or Asset?

Ally or Asset? is a box found on the lower-left of GURPS Fantasy pg 132.
It analyzes the alternative approach of defining a trusty steed (horse) as either an Ally (character) or Signature Gear (equipment).
As of GURPS Thaumatology rules for Must Be Wielded allowing even weapons to be defined as characters, a similar dilemma can apply there too.
GURPS Supers also has rules for defining some kinds of worn armor as either an ally with Payload or as an advantage (Damage Resistance with Gadget)
So it's actually 3 possible options: equipment, gadget advantage, or ally advantage.
categorY:rules