re: Does anyone have kids that ride horses?

Dressage is another option that's less hazardous.

ETA: At first your child can ride "stable" horses. But if she progresses beyond the typical kiddie stuff and gets serious about it, she'll want her own horse-either own or lease. See what I mean about it being expensive? And there's a pecking order around the barn. The people that spend the most money are the ones who get the most consideration when it comes to things like lesson times and whatnot. It's been an eye opener for me. A lot of really great people, and also a lot of really weird people

A couple of OT chicks are in the horse business. Maybe they'll see this thread.