Just get a dam harley. Horses are good for two things DOG FOOD and French food.
Horses are ok I guess I never much cared for them. they are not all that smart. Don't even argue that point. You can run a horse till it dies that is not smart at all. I have ridden bareback with nothing but the mane to hold on to and all saddled up as well. I have rode quite a bit when I was younger. Never met a horse that was smarter than a dirt clod.
DON'T buy one unless you have the land at home to have it. Yes they are money pits. vet visits are 10 times that of a dog or cat. then you have to have a ferrier for shoes and hoof care. They need their teeth floated (Where you take a big file and grind their teeth flat. Shots and food you think $40 for 50# of dog food is a lot. Buy hay, straw (for bedding), alfalfa, pellets ect..... Then your going to need a truck and trainer to haul the dam thing around in. your going to need a tack room to store all the tack and other crap you need for a horse. Then if you have a stable you have to clean it every day and replace bedding and get the crap out wash it down every so often to get the nasty stank urine out. If you think your dog pisses a lot wait till you see a horse piss.
If you just must ride go to a dude ranch and at least get some hunting or fishing and nice views out of the deal of sore back, legs, ass, and starfish. http://www.duderanch.org/ranches.cfm?