Well.. since you want a horse for jumping and dressage, and you probably (I'm assuming) don't want to spend 55,000 dollars, I would go for a Hanoverian or Warmblood of some type. Maybe a black one, lol.
Yes the price for a Friesian is higher than most people can pay. If it's already been trained for dressage and more and depending on the bloodlines, sex and scores at the inspections your going to be spending a pretty penny. LOL forget the penny your spending every dang dollar you got.
I bought my mare when she was three months old. I still paid a pretty good amount for her but much less than an adult I just had to wait for her to come of age. But which wasn't bad. I got to love on her as a baby and turn her into the goofy love puppy that she is now. So if you don't mind waiting for that riding horse a foal is the way to go. I will be breeding my mare this year to the FPZV approved stallion Tzar this year for oh please oh please oh please a colt. To start all over again on the waiting. If I can ever catch my mare in heat, We have been watching her since April and she is soo quiet we have not been able to even catch a glimpse of her in heat. So needless to say her big butt will be given the shot to bring her in no later than next month for a June 09 foal. Then I will begin doing a colt dance.
Yes, the prices for horses under 3 years old are comparable to what you would pay for a warmblood of the same age. The older horses with training under their belts...that's when the prices start to skyrocket. That's why I bought a baby as well :P