I don’t think it’s wrong to be realistic with your budget, and to be honest with what you want in your future partner. That being said, it would be challenging to find a purpose bred WB for 10k in today’s economy. I don’t know how breeders make any sort of profit in our post-COVID era.
I would ask your vet if they know any clients selling, to start. My vet and my farrier are the two biggest gossips in the good way; they’re always asking me if I know someone looking for XYZ on their clients’ behalf.
With your budget and expectation, I’d be looking at foals. Your money would go a little further than started or backed.
Would you consider a sport-bred (genuinely unraced, and farm does not race) TB? If so, I know of someone selling a nice solid bay filly that just isn’t what they want for their breeding program.
What do you mean by “upper level dressage”? What is the likelihood that you’ll compete PSG in the next 10 years? I don’t say this to poke at you, I know you’re a great rider and horse owner - but… if you were willing to throw away the “purpose bred” and “must have upper level potential” requirements in favor of “fun to ride” and “affordable”, there’s a whole subset of horses that fit your bill. Mustangs, saddlebreds, and standardbreds don’t seem to hold value well and are common and easy to buy.
I’m pleasantly surprised by the two mustangs I’ve seen recently. I agree a morgan fits your bill perfectly but they are not easy to find and don’t always have great canters.
FWIW. You described my horse to a T – well, except for the fact that HE is a gelding. But… he is a Thoroughbred, and I really think he is rather quintessential in what good Thoroughbreds bring to the table. He is not an exception of the norm, he is part of an exceptional breed and I always, always enjoy riding him. I don’t always enjoy riding the fancy, purpose bred WB filly (who I love just as much). So… take that for what it’s worth.