$2800 may not be a lot, or it may be too much. It depends on what she knows how to do, and what they have done with her? Can you answer those? Keep in mind that her price is of course going to be a little higher simply due to her color.
I like this horse. I think she has a ton of potential, seems very level headed, and started in the right direction. There are a ton of western horses that don't have a bit yet at that age. It's very common, so don't dwell on that as a negative.