If you were a wealthy person your schedule was fixed and you chauffeur would start up your boiler before you needed to leave.
If you were the country doctor (and doctors were the first to buy things like cars) and you needed to get to a patient fast a steamer would be worse then a horse.
Police, fire or military would also regard horses as better, faster and more reliable then a steamer.
Plus water turns to ice and expands about 10% while destroying most pressure vessels used on steam engines...
Contained ice expands with 25,000 PSI and more...
So the vehicle stays heated all winter or drained after each use.
OH CRAP!!!
I FORGOT TO DRAIN THE STANLEY!