Ringing in as a less experienced eventer here, but I am a college prof and being a part of a young person’s journey is one of my great joys in life.
OP, I agree that people should give you a break, but as a starter and trainer of young humans, I can tell you that “a break” = telling you to take a deep breath, get some of your other obligations out of the way, and take advantage of some of the abundant riding opportunities available in MD. Then move to horse purchase.
Since you don’t yet have a firm grounding in dressage you are best off focusing on that piece. Once you get a bit ahead of where you are, you will be qualified to ride a much larger range of available horses, including the ones that are more affordable because they are green.
You will know if you are someone who does best with a “kick ride” or someone who, like me, is best off with a hotter, more fuel-injected horse whose energy the rider must “shape.”
You have many items on your task list to keep you busy, happy and fulfilled. And since you’re becoming the adult who will be in charge of much more of this in the near future, it’s a great time to work on the adult skills of setting and maintaining a budget and schedule for which you’re responsible.
Is Rilke wrote:
You are so young, so much before all beginning, and I would like to beg you, dear Sir, as well as I can, to have patience with everything unresolved in your heart and to try to love the questions themselves as if they were locked rooms or books written in a very foreign language. Don’t search for the answers, which could not be given to you now, because you would not be able to live them. And the point is, to live everything. Live the questions now. Perhaps then, someday far in the future, you will gradually, without even noticing it, live your way into the answer. - See more at: http://www.awakin.org/read/view.php?tid=747#sthash.neZ7Cgum.dpuf
Anything that’s a good idea now will be a good idea in a year. Probably an even better idea.