Can't really answer your questions, as I've never had a horse before, but I feel your pain. I've wanted one since I was 6 years old. That's 30 years!! I read everything I could find on them as a child and young adult. I even had some lessons here and there. Then, as I got older, realized it probably wasn't going to happen for a while. Now we live out in the country on 3 acres. Unfortunately, my pasture gets pretty soggy fall through spring, and a horse would just turn it into a mud pit. Not to mention financially it isn't very realistic for us right now. Buying the horse is the least expensive part. Hopefully, though, we will move in a few years and get the property I want. I also got a little worried that I wasn't going to be able to ride, since I had both hips replaced and the position your legs are in, plus the jarring motion of riding, can be somewhat risky to the hip joints. However, I was told by my physical therapist, that it would probably be ok provided I got the proper saddle and stuck with horses that had a smoother gate. I know from people that have had horses, that a farrier is usually every 8 weeks, but I could be wrong.Hopefully someone with much more experience will help you out. I haven't ridden in over 20 years, but I haven't given up hope that I will get a horse some day! Good luck! Be sure to post pics when you end up with a horse!!!!