fresh off the track tb who was still learning english commands, then I went for lessons on a cranky B**** of a qh mare who wouldn't do anything unless she wanted to do it. Who I was also to big for. Next I went on a part draft who would constantly go lame and be unrideable half the time. He was pretty calm but sometimes needed extra poking in order to move and do what you wanted, after that I went on to a young green to any riding stallion, I was the first to get a successful full ring multi lap canter out of him. When going to get a horse of my own no one has said I should stick with getting a fully trained older horse
I rode a half broke, 17.2hh proud cut draft cross and fell off 7 times before calling it quits. I was 7 and riding bare back without supervision. I took a handful of lessons, then we couldn't afford them. I rode my behind my cousins on their horses(double, full speed, through the brush, jumping logs) until I was 13, then we rode by ourselves. We couldn't lift the saddles on until 14, so we rode bareback. At 14 we rode in saddles several sizes too large, not cinched tight enough, with stirrups we couldn't reach, full speed in treacherous terrain, sometimes jumping logs as high as 4 feet, on the same half broke, 17.2hh draft crosses. We weren't strong enough to stop them, so we just rode through whatever happened.
Then I bought my first horse, a neglected yearling. My first broke horse I purchased last year, all the others I broke myself. I went from half wild draft crosses to rangy ranch horses and ottb's straight off the track.
I followed none of the rules. I have scars to prove I learned the hard way. I would NEVER teach any one the way I learned. While some people learn well the hard way, and bounce back from falls, and learn from difficult horses far above their skill level, many people do not. As well, you have to factor in the horses, packing a beginner is hard on any horse, which is why people suggest getting one that is well trained and forgiving, and thus better qualified to deal with your mistakes.
Don't get me wrong, I think its important to ride various horses that test your skills in order to become a better rider, but people give the advice they do for a reason, less chance of fatalities, injuries and ruined horses that way.
As far as well fitting saddles, and chiro, horses are pretty good at hiding pain, and the ones that arnt often become notorious as 'bad' horses, rearers or broncs, when a simple saddle change or chiro appointment would fix the issue. People want their horse to work willingly, to the best of its ability, and not in pain. We now have simple ways to make that possible, why not use them?