I can now confirm - the going missing Roach tail sometimes happens without any reason and is always saved as status "Roach does not have a tail anymore from now on" within the savegame.
Which means if you load that specific bugged savegame, the tail stays disappeared, if you load older savegames from hours or days before, the tail is on Roach again.
Sometimes the tail just suddenly disappears, and if you don`t notice it because you don`t ride Roach for a long time, for example when doing complex quests indoors or in citys, or when diving for treasure hunts, lots of gameplay hours are lost because an older savegame must be loaded - or the tail is gone forever.
(Or you accept Roach without a tail from now on and for the rest of the game, and just continue gaming with that buggy savegame).
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In lower game Versions from 1.08+ always the manes disappeared on Roach, other horses and dead horses on the ground (from attacked caravans or stuff), now it`s the tail that disappears hahaha