Hi Lorry1 I too will be 50 next week. I stopped riding my first horse when I was 16 and didn't get another one till I was 44. I started out with a QH then a TB then a QH cross. Now I ride a Rocky/Kentucky moutain gaited horse and love her to death. Hopefully you won't have to go through that many to find the "perfect" horse for you but you are doing the right thing in taking lessons first. That's why you take lessons, to make all the mistakes and learn how to do it correctly. I have fears too I think its pretty natural. I don't think it should put you off getting a horse of your own someday though. Those little "incedents" that happen when we are learning are what makes us better riders. I'm sitting here with a busted up back from falling off my horse (long story) but its not going to stop me from getting back on as soon as I'm able. I started a post on fear I will find it and post it here for you.