Barding never gets upgraded by armor upgrades. Only the rider's armor changes.
Barding is a function of what type of mount the unit is riding. It's quite simple to change.
In the "export_descr_unit.txt" file, (I'm not going to explain how to unpack files, here.) search for the unit you want to change. Look for the "mount" line. The types of horse are...
fast pony
pony
camel
heavy horse
barded horse
mailed horse
eastern armored horse
armored horse
Change that line to the one you want. (Probably "armored horse").
Have fun!
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