I second what others have said. It's never too late to get back into horses. One of my newest students is a re-rider that rode as a kid and is now close to 60. I love beginner adult students, they listen better, try harder and go with the flow. Lessons are a great place to start. You can get back into the swing of things without the cost of ownership. Then one day when you might be thinking of your own you will be more prepared.
Good luck at your lesson! Do let us know how it goes.
Life is like a camera. Focus on what's important, Capture the good times, Develop from the negatives and if things don't work out, Take another shot.