There were two before the turn where the horse said NO. The third at the vertical, then the horse refused to go forward, but she did try to re-present. IMO it was another stop, but the officials may have seen it differently. The German commentators said she had the option to choose another horse, so that’s what I was basing my comment on.
As for the putting humpty dumpty together, I mostly agree depending on the horse and the day, but she DID get the horse moving forward and jumped a few in spite of herself and her meltdown before they ever got going. That tells me that if she had stayed calm and ridden tactfully, it might have worked out because the horse was such a trier. But yes, it’s a big ask.