Amazing! Thank you everyone for responding, it's nice to hear that there are exceptions to the "rule". I'm really glad to be able to read your stories and get a better understanding.
In case anyone is curious, I asked this not really because I plan on going out and buying a horse with no experience, but because my experiences are limited and for the most part where I am from there is not a place to get "lessons" from, getting a lease is not an option. I have ridden a few(many) times, helped a good friend of mine train her own wild colt, and read / watched everything horse related I could get my hands on. Because of my limited experience I tend to get nervous when I have to mess with a horse I am not comfortable with. (I.e another friend of mine's 17,000$ Hunter.) And generally make myself look like an idiot even though I know what I should do! (Mostly I'm afraid the OWNER is going to get mad at me for not riding "right" as I am self taught....also being in an english saddle for the first time in my life while on a 17.2 hand green horse was a bit unnerving.)
I have been considering purchasing a horse within the next few months or maybe within year or so from now. The cost will not be a problem, I already have that taken care of. Yet everyone I have spoken to tells me that I don't need a horse until I have taken proper lessons for at least a year. These people have never seen me ride, all they know is I have never owned my own horse and never taken a lesson. It has really been messing with my head and making me feel down lately. So thank you tons for sharing your experiences with me. It really helped.