Interesting thread.
Seems like two issues: 1. The term “heart horse” to refer to a horse that you have a special bond with.
2. Using that term to justify impractical, often harmful decisions.
I never minded the term, though I don’t use it myself. I agree that there are some animals that you have a greater connection with. It’s more than a favorite. I have had a dog like that and my current horse (that I still pay to board in retirement) is that. Doesn’t mean there wont be more. Does mean that it is not a horse that I could sell like I have others. I just have more emotional investment in a “heart horse”. I understand in most posts when people use the term they generally want to indicate that they are emotionally invested and willing to do more than the horse’s monetary worth might warrant.
Of course none of this excuses making decisions that mean your children don’t go to college or your husband leaves you (Unless that is what you wanted…).