The PCs come across a town with a strange curse: Every morning, those who have grown up here wake up with the memories of someone else. They do not find this strange and have no idea it is happening. They calmly wake up and start these new lives as though they have always been that way.
The cause: A wizard who lived there was spurned by a maiden he was infatuated with. His attempt to manipulate her memories into believing they were already together and that she loved him went horribly awry.
The Akhal-Teke is a real horse breed that develops a metallic golden coat. A more fantastic version could have a coat the color of pure gold, or silver making the horse appear to be made of the precious metal.