@sjmcc13 I mean I was going by what they themselves said, they were unwilling to trade food for money originally because they value how the horse could help them directly with what they're directly doing but using the money wouldn't have helped them in time. Making assumptions and guess work about how even at inflated prices the money may have been more valuable than the horse is meaningless because they point blank refused to sell the food for money (which in their minds would have been a reasonable amount for the food) but would for the horse, to assert their assessment as wrong in of itself declares them either too stupid, too ignorant, or too irrational to make the best decisions for their circumstances which at that point trying to argue about what they should have done is silly as you've admitted they're too stupid, ignorant, or irrational to make good decisions.
Please also keep in mind that they had already discussed in the chapter that by carriage the capital would have been a few days, during which they'd be walking with a lot of money, they'd be down labor, and they're not exactly well equipped to fight given that they tried to rob them using farming tools, meaning you'd be sending probably some of your best people out with a lot of money and no real equipment for a several day long journey (one that'd be slower than a carriage, and they obviously don't believe a peddler or carriage will be arriving anytime soon otherwise they would have at least entertained the idea of selling the food for money) and unable to defend themselves if bandits jumped them. Given that from the sights we see that they're actively in the process of plowing (they don't even have all the fields plowed) we can tell that it's probably pretty early spring, note that the food they gave was wheat as well suggesting that they're still getting by on their stored food meant to last them through the winter, meaning that any regular transports wouldn't be expected for probably a month when the harvests start coming in.
Keep in mind, that when they were robbing them they still wanted the horse meaning that they weren't suspecting to use all the money they were getting to replace the labor they needed to finish plowing the fields and planting (to get the first harvest in sooner to make up for the food they sold), but we've still got a very clear picture of a village that's basically living harvest to harvest which means that one bad harvest and people
die, and they suddenly find out that these two people who have no real guards have enough money on them to make that never be an issue again? These aren't college graduates, when they came to the decision to rob them they may have very well been thinking of the family they lost to illness or hunger during periods where they didn't have enough money to get by, and given that it was already established the amount of money in the caravan was the amount a noble would carry to buy a mansion, it's reasonable to suspect that they never imagined these two would have been out in the middle of nowhere with such wealth until they actually saw it.