I really don't have an opinion in a boarded horse situation. Especially if trails is your interest.
But I'd think in that situation a truck and trailer would be less mandatory.
That being said, I think if you have horses at home and plan to show, it's almost a must have.
We bought an older truck and a stock trailer (sure it's not fancy enough for some) and have had horses behind it atleast weekly. Usually more. For your 20k budget, you could buy my truck and trailer and insure/tag both for a loooooong time.
A luxury? Maybe, but round our place we have three trailers, 5 trucks and a car. When ya need em ya need em. And their there, no fuss no muss.
Guess I'm saying you'll probly be fine without, but will enjoy the freedom of owning em.
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