There are two fjords at my barn that never get any attention from their owners (long story) so I am the only person who ever rides them -- when and if I have time after riding my own mare.
ONly one of the fjords is broke so I will base my opinion on him.
Disposition: 10/10. Considering I am only able to get on him maybe once a week he is very good. I wouldn't say he is lazy but he is a slower paced horse, however, he does try. I trail ride him and he powers up hills like no joke. They literally are mini draft horses.
Maintenance: Be prepared to do a lot of grooming! Even clipping! In the winter time it takes about twenty minutes to brush the dirt off (he lives in a small muddyish paddock - I hate it!)
I have jumped him a little. Like maybe a one foot cross rail lol but the point is that he did it the first time!
They are, however, heavy on the front end if you don't condition/keep them in shape. (I ride english).
But I totally recommend fjords for the things you described. I use, Hans, the Fjord, as a packer for my inexperienced boyfriend on trail rides. My bf is about 6'2" and about 180 lbs - strong build - and he looks fine on Hans. Additionally, Hans has no issues carrying him either ;) Oh and Hans is only about 14.3 hands.
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