I think I’m about the same age as you, although I never took a break from riding and competing. But I do understand how, at a certain age, a quiet, sane “packer” type has grand appeal.
I also was born and raised, rode and showed, bought and sold many horses in SoCalif. Ironically, I also worked for years at Disneyland! Using your geographical clues, I’m going to figure that I’m familiar with this dealer guy. If it’s not him directly, it’s one of his “peers”. These are not in any fashion $10,000 horses. He’s getting them out of dusty backyards and from riders who cruise the riverbed, and/or from charros and the low-end auctions in the inland area of SoCalif. Then he’s trying to make a buck re-selling them to you.
I’m so very sorry that you’re mired in this mess. I truly really do understand your want-- your need– for a horse, and how you view riding as mental health time. But you’re being used. When this horse goes back, this guy will scrounge around and dredge up another poor horse that he can shove in your direction. And on and on.
In my opinion (and I could be totally wrong), I think you have three options.
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You can pay your trainer to personally visit and see what’s on the dealer’s lot, keeping in mind that this guy is apt to have a revolving door of new horses to offer every few weeks. He’ll probably string along your trainer with, “Didn’t find something today? Come back next Wednesday.” Thus, you’re spending more $, because you’ve got to compensate your trainer for this potential goose chase.
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Or you can ask for your 50% return of purchase price, using the services of a lawyer and a terse letter if necessary. But I wouldn’t hold my breath on that working out, either. He’ll argue that he’s been willing to find you a replacement horse. He just hasn’t, darn, been able to satisfy you yet.
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It sounds like you have a supportive husband. Cut your losses, dip into the savings and take your time finding something cute and safe that you can TRY SEVERAL TIMES and VET before paying and taking possession.
(Personally, I’d go for option #3)
Good luck and please know we’re rooting for you!