I'm in central Virginia, in a rather suburban area. We travel to Ashland where we pay $40 for a half hour private or hour group lesson. Our barn is really easy-going - you pretty much just meet in the ring when you are ready and that's when your lesson starts. I have yet to find a clock anywhere so I don't even know if the instructor would know if you are late or slow tacking up! And we do get to do all of our own grooming, tacking up, etc. I even have spent a few days there following around the guy that works there helping muck stalls, feed, etc. (just for experience as I really have never been around horses in my life).