Ok, don't take any offense at this, but you know that God looks out for Fools and Children. You aren't a child, but you know you were foolish to not ride or vet check , right? I think it's just one of those moments of Grace. Be grateful and go forward.
I also think Nibbles might be harboring a human soul that accidently got put in a horse body. I know my friend has an Arab that when you look into his eyes, you would swear there is a human looking back at you. He, too, has no fear and is ever trusting, playful and mischievious. I hope you will share her misadventures with us, and some photos, too.