I’d say you already have more than you need.
Horse’s hooves don’t grow at the same rates. Only your farrier can determine how often your horse’s hooves should be trimmed. I usually have mine done every 8 to 10 weeks in winter. More often in summer. Keep in mind that your horse’s hooves will tend to grow faster with amount of daylight as the days get longer. And their growth will slow down as the days get shorter.
$35 to $45 for trimming. Like a lot of other things, good farriers are hard to find, so if one farrier charges $35 and another charges $45, there might be a good reason. I also tip my farrier, so I usually end up spending a bit more. But again, I personally think it’s worth it to tip a good farrier. Again, good farriers are hard to find. So when you do find one, it pays to make sure they really like you and you can call at any time, and he / she will come out at the drop of a hat to look at a problem you aren’t sure of.
I can’t really comment on shoes because I don’t shoe any of my horses unless medically necessary. And so far, I haven’t had a horse that required shoeing.
Also, make sure you get a resume on your barn’s farrier. There are a lot of farriers out there who I wouldn’t let anywhere near my horse’s hooves. So make sure he / she went to a good school, etc. A trusted vet is a good place to get a recommendation for a good farrier. It also pays its weight in gold if your vet and your farrier have a good working relationship.
Personally? I don’t have my horses insured right now. But this is a really controversial topic. The monetary value of my horse means nothing to me. Money won’t replace my horses anymore than it would be replace a lost family member, after all. As far as vet bills, there are so many things that equine insurance will not cover, that for now, I personally feel I’m better off saving the money I’d spend on insurance and then putting it towards paying for a major vet bill that insurance wouldn’t have covered anyway. If you do decide to insure, make you sure know exactly what they will and will not cover before you buy.
Again, I’ve tried dozens. I’ve yet to find one that actually works. So I can’t recommend any. If anyone else has found one that really works? I’m all ears and would love to hear the answer as much as you would.
Also, regarding wanting to buy everything for your horse? I know it’s tempting. But please keep in mind that owning a horse sometimes involves unanticipated expenses in the future, which can sometimes be expensive. Emergency farrier calls, emergency vet calls, etc. So you don’t want to end up in a situation where you spent all your money on “nice to have” things right off the bat, and don’t have the money you need to pay for an “emergency, I NEED this now” thing later. If, God forbid, you should ever have an emergency horse expense.
Hope that all helps!