He’s a sneaky one, Barley!
You’ll get a choice of two Skills to buff permanently.
The key to this riddle is realising that each animal is paid 2.5 Groschen per leg that they have.

The way you get to this conclusion is essentially by asking yourself, “why those animals?
“, and in particular what’s so special about the spider that it gets paid the most.
If you complete this second riddle, you’ll get your stake back no matter what.

On top of that, you could choose a reward of either 100 Groschen or knowledge towards another Skill.
This riddle is more a test of memory than anything.
No part of the riddle is important except the coachman’s name, mentioned at the very start.

Here’s the final riddle answer:
We’re given four bits of key info for this riddle.
12 men, 6 of whom wear body armour, and 4 of whom wear helmets.
But we also know that only 3 wore both a helmet and body armour.
This means the overlap between the group of 6 and the group of 4 is 3.
1+3+3 equals 7 who have any kind of armour at all.
Solve this final riddle and you get your 150 Groschen stake back.