Interesting that so many consider "tri-color paint" a commonly used phrase to describe a bay paint/pinto. My old BO is a hardcore, old school cowboy. Horses are sorrel, bay, gray or black to him. A horse displaying a pinto pattern is a paint, regardless of breed or registry. Anything that isn't a quarter/stock horse is useless and anyone who uses anything but a western saddle ain't a real rider. Yet he despises the term "tri-color paint." He had a bay paint (APHA) mare he got in a herd dispersal off a ranch in New Mexico. When he sold her, he advertised her as a bay paint. Someone said "What a pretty tri-color" and he lost it (he's known for his short temper and blunt way). He said that the mare was a BAY, not a tri-color and that tri-color was just a fancy name some idiot came up with to make their bay paint seem more fancy (his words, not mine).
My problem with the term "tri-color paint" is mainly that it encompasses too many colors and is thereby inherently vague. A buckskin paint/pinto would be considered "tri-color," as would a dun paint/pinto. Heck, if you wanted to make your horse seem even more speshul, you could call a palomino paint/pinto and a flaxen chestnut paint/pinto a tri-color. If someone can't physically see your horse and you called it a "tri-color paint," they would wonder what, exactly, the base color is (bay, buckskin, dun, etc).
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