Yes, this.
One goes from Unconscious Incompetence to Conscious Incompetence to Conscious Competence to Unconscious Competence. Note that the two steps in the middle both require conscious awareness/time-consuming analysis/second guessing as you struggle along. You are in one of those two stages as you learn more about the trials your current horse has experienced, and you’ve learned a whole toolset of new things.
It’s scary, you are looking at a big commitment (and you are now aware of how big that commitment is!) and each choice precludes another one, so it’s also limiting.
My advice to you is to find a stable you like with a trainer you mostly agree with, and lease one of their going horses. It will be expensive and you will not own the animal, BUT you will be able to jump and show, and the risks sit with them, not you. Later, when you get closer to Unconscious Competence, and/or your goals shift a bit, you might consider picking an animal you’ll purchase.
This suggested course of action is more expensive than boarding/training one of your own. But I’ve seen happy results with this course of action, and very productive show careers, so you’re paying a bit for that part as well.
Just my 2 cents.