The tan cavalier is a piece of headwear. There are no requirements for wearing this cavalier, and they do not confer combat bonuses upon the player.
A cavalier of any colour is a potential reward from hard Treasure Trails.
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The examine text, "All for one and one for all!" is a reference to The Three Musketeers, by Alexandre Dumas.
For an exhaustive list of all known sources for this item, see here