Mine's a couple inches below my shoulders and it's very thick, wavy and curly. It's heavily layered to cut down on the bulk/frizzyness of it so I can't pull it back in a ponytail well because some of the layers are too short.
I put Garnier curl sculpting cream-gel in it while still wet (about HALF the amount the tube says...otherwise it's heavy, stickyish hair), comb with a very wide comb and my hair does not tangle at all.
I keep a scrunchie on my wrist and pull my hair back right before I jam on my helmet. I hate it pulled back, so the second the helmet comes off, out comes the scrunchie and it generally ends up floating around the bottom of my backpack until I have a few dozen in there and then I'll dump 'em all out, wash them and start all over.
My girls have hair down to their butts. One has silky but VERY curly hair, the other has pin-straight, very fine hair. I use the curl cream on the one and a Dove cream on the fine-haired kiddo (her hair knots like you wouldn't believe without it). They both despise having their hair pulled back also, so I just do the same as myself.... pull back with a scrunchie right before the riding helmet goes on and then it's out the minute it comes off.