While I unfortunately (for both you and me, as I would like to understand more than I do-though your post and the responders answers CERTAINLY ARE HELPING me, too!) would like to give you more info but cannot, I figure I'll re-ask some of the others' questions to help guide the critique?
1) you say she'll see a lot of trails and be ridden western. Any plans to show? Of so, what sort exactly?
2) Did the seller provide any info about why the belly/coat issues may be present; ie. Could she be bred presently? Has she been off of good quality fed and they've been making up with too much hay/grasses/feeds with high fat content and maybe not had her wormed in some time?
3) Do they indicate she's been out of work for some time (poor neck muscling) though to me--TOTAL AMATEUR CITY, REMEMBER!!-- her butt looks fairly muscled, so...?
4) Any other info the seller offered to explain some of the issues (no $$ for farrier/proper very care, so selling...etc...?)
Just thought I'd try to pull together some of the issues others with experience touched on to help you get better answers. As well, I'd love to learn from what you're asking as well! Hope I'm not stepping on your thread by doing this. If so, apologies...
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