I'd say she could possibly be wild bay. This "wild bay stops at the pasterns," sure when it does we say 100% its wild bay, but we don't have a genetic test for it so how can we say 100% its not?
His points are definitely not full like a normal bays are. And really look at brown. They can go anywhere from looking almost identical to a bay, to looking almost black. How can we say that wild bay 100% looks like X every single time?