Despite me knowing nothing about h/j competition, I will stick my oar in:
I grew up in the 1970’s in California. Horse keeping was not an investment in a child’s future, it was simply something horse crazy kids did with their spare time. We kept our cheap grade horses in our backyards or at rundown rental stables and rode every second we had. We rode to the 7-11 for slurpees, we rode in orchards and picked fruit from horseback, we swam our horses in local ponds. We never had lessons, our shows were at best regional, and we all had a wonderful wonderful time.
I learned things then that are very hard to acquire under a regimen entirely controlled by adults. There is nothing like being entirely responsible for your horse’s well-being and safety. Nothing like getting you and your horse out of a jam you got yourselves into – totally alone. Not to mention, how to stick on your horse no matter what!
Coming back to horses eight years ago, one difference among many I found, was that children no longer played on and with their best-friend horses on summer days that went on forever. Nope, riding was a Youth Sport with everything regimented, ruled, costumed, and very expensive. Horses are now a means to an end – winning – not an end in themselves.
Your daughter may be ambitious and driven to excel, but has she ever had the time to braid flowers into her own dear horse’s mane? Play Red Rover with her mounted friends when no adults are watching? Stay up all night with her colicky horse? Learn the difference between a good bale of hay and a poor one? How to see which leg a horse is lame on? How to help a green horse to do something they’re afraid of? The world of horses is deep and wide, and knowing how to look good guiding a finished horse around an arena at a show is an inch deep pool in comparison to what there is to explore and learn.
I’m not advising anything in particular, just noticing you are seeing the horse world through a narrow lens. I would not trade those horse crazy barn rat days of my youth for anything. It makes me sad to see children who only know how to compete on horses, and nothing else.
If my daughter had been horse crazy (which she sure wasn’t), I would have started her off like I did, with a quiet horse we owned, that she could take care of herself and ride where she pleased. Lessons would be in addition to that. If she was ambitious we might trade up to a horse who could meet her where she was.
I know a novice mom who bought her ambitious nine year old an older Arabian cross gelding, with whom she eventually won everything within a regional radius. By that time she had to retire him she was sixteen, teaching the beginner kids at her lesson barn, and riding greenies for her trainer.
She did have room to keep him at home, which of course was a big help.
Just a different perspective.