Have you taken lessons-so you don't have to train a 5 yr. Old? Or are you wanting to progress slowly w/the horse over the years? Either of the bays could probably get there, but it will be a lot of training. You would get a better answer if we had a little background on your experience, if you're at a show barn, if you have a trainer lined up and/or a riding instructor that is helping you find the "right" horse for your goals. Are you just going for jumping or will there be some dressage or maybe even 3-day eventing?