I was about to suggest the same, lol.
OP, I’m 48. Started riding at age 6. Was taking dressage lessons from a eventer when my now 16yo DD decided she needed a break from hunter ponies. She began lessoning with my trainer. We bought a quirky teenaged schoolmaster, and they did their first A/AA rated 1.0m together this summer. We don’t have $100,000 horses (hell, I barely make half that annually!). We still managed to have a blast taking our sub-$20k dude to two A/AA shows this summer. Did 100% of the care ourselves and met the trainer at the warmup.
The prevailing style of hunter trainer (at least in our area, in our price bracket) very much caters to people who just want to arrive at a show and enjoy. Busy, novice amateurs who came to horses later in life and work long hours to support their riding habit, the children of non-horsey parents who work long hours to support their kid’s horse habit. Works beautifully for a lot of people. It was a confidence crusher for DD. She felt incompetent. I can say with confidence that had she stayed with hunters she would still be aimlessly wandering around the sub- 2’ and not having much success.
Neither way is wrong. Finding what suits your individual personality, available leisure time, and financial reality is what matters. You probably don’t have to stick to barns with lesson horses or buy a horse immediately, either. Half and full leases exist. Take your time. Attend a few of the shows you’d one day like to compete in. Hang out by the warm up, the in gate, and, if possible, back at the barns. Listen to the trainers and their riders in action. Go home and research anyone who you feel to be promising. If you like what you find out, go ahead and contact them and discuss what opportunities they might have for you. Good luck!