[QUOTE=i<3dogs;8525610]
just my opinion but more and more people are “babying” their horses. These creatures have us trained not the other way around. They survived for many years before people stated using them. Blankets, ramps, and treats make horses soft. If your horse doesn’t have a medical condition that makes a ramp a necessity then i would pass on it. Teach the horse to load in the trailer you have.
And like Clantar said if the horse cant step up into a trailer how is it going to step over anything on a trail? how will it jump over jumps?[/QUOTE]
It really depends on personal situations.
I have a ramp because I used to have to unload my horse on to wet asphalt in the dark. IME, a horse who can turn around and jump down for that situation is usually okay, but any situation where the horse has to come off backwards is potentially dangerous because a horse is not made to come off a big step backwards. They can’t jump down both hind legs at once and the physics of the situation tend to make the hoof that steps down go under the back of the trailer.
The situation is better if it’s a smaller trailer and not as high off the ground (less load rating for the axles), if you are always unloading on to dirt, if the edge of the trailer is well padded, or if the horses can always turn.
By contrast, if what you do all the time is trail riding, a ramp can be a problem because the parking area may not have room for a ramp, or may be so unlevel that the ramp can’t be put down solidly.
If your trailer is used for other livestock (cattle, pigs, sheep) that aren’t necessarily led around with halters, the ramp may make it impossible to use various kinds of chutes.
If you use your trailer for moving anything that doesn’t move itself with legs - hay, a refrigerator, furniture, whatever, you may find that “babying” yourself by not having to lift those items 20" off the ground each time, but instead using a dolly with a ramp, is much appreciated. 
So it’s not about “babying” a horse as much as it is about knowing what your needs are and meeting them.