Oh gosh, glad everyone was ok, and I think everyone is missing the heart of the post:
Good for the girl who lent her horse. Perhaps if she didn't, other girl wouldn't have gotten back on, and may have developed some type of fear from not getting back in the saddle. Sportsmanship is not seen enough.
I know Desiree would not risk getting back on Snoopy after the wreck, but it must have shaken her. She needed to get right back on, even if it wasn't on her own horse.