Does a saddled steed remain saddled when returning after being dismissed?

@vikke064 @VelocirainbowAnother old find steed question: does a saddled steed remain saddled when returning after being dismissed? That's up to the DM. As DM, I'd have any gear on the steed drop to the ground when the steed disappears.

— Jeremy Crawford (@JeremyECrawford) July 19, 2016