OP, I’m close to your age, don’t own my own horse, am from the same general area, and I get it.
For many years, I rode in sketchy programs, because, subconsciously I felt I didn’t “deserve” to be at a good barn, because I wasn’t a “good enough” rider. Also, many sketchy places make it very clear that they are desperate for income, so there’s often the feeling that “gosh, my $50-$75 per lesson means so much” that can be a bit of a confidence boost, along with the fact that at such places you’re rarely the worst rider at the barn.
But then I realized that not only was I not progressing, but my confidence had taken a serious hit from riding horses that were not suitable for me, and frankly not trained to respond to appropriate cues.
I realized that many of the behaviors I attributed to my inadequacies as a rider (while I still have MANY, MANY) were due to the fact the horses were not fully sound–hobbling, passing watery poo multiple times during lessons on a frequent basis–and that I could not fully trust my instructor to honestly evaluate my horse and my riding, because of the desperation to stay in business.
Ultimately, we are in this because we love horses. At minimum, it’s necessary to find a barn where horses are respected and you are respected, which includes appropriate direction to suitable mounts.
Even all the “green and green and it worked out” stories you’re hearing here that occurred without serious injury I’m assuming are there because somewhere along the line both horse and rider had correct management and care. Also, it’s just never good to buy a horse because your instructor needs to stay in business. Don’t have that relationship with someone who is coaching you. If you must get a green horse against all advice, get into a suitable program with an experienced trainer (and be prepared to pay for it $$$).