Can I make a radical recommendation? Lease this horse, and save up for the next one along the way.
As you’ve seen, there’s a correlation between the number of jokes the horse needs to take and the amount you’re going to pay for it. I assume at least part of the reason you’re looking for something that’s more of a “packer type” (and God, I hate that word) is that you’re coming back as an adult or you’ve just got other stuff going on and you want something confidence building (correct me if I’m wrong here). Which is great! But you might not need that in a year, or two years. Or not need as much of it. Or end up being someone like me, who needs something not insanely dramatic to jump around, but you’re willing to tolerate some amount of cold-morning spooks or other forms of … opinion expression. At least where I live, the horse who does his job over fences but has a few quirks to be around, or maybe needs you to be a little bit tactful about thing XYZ is a radically less expensive proposition than the horse who has zero complications whatsoever and can jump over 3’ (and granted, I live in California where the answer to your question is somewhere in the low six figures, so, if you live in some real place where people pay not totally stupid amounts of money for horses, your dollar may go further). But if you lease, maybe you can get something at the nicest end of the range you’re looking for, or maybe you can take one that’s a little older and might be a gold mine for your confidence but not face the retirement questions on the back end, etc., etc., etc.
Just a thought – that may not work for you for a variety of reasons, but at least around here, that horse is readily available for lease with way fewer issues re vetting, age, etc etc etc than if you were trying to buy it for a reasonable sum of money.