I met a girl like this a few years ago, well, she still is kind of that way... but shes always talking about how high level her horse is, how he can do high level dressage movements and stuff. It used to really bug me, but finally all of a suddenly it didnt, I love my hrose, we are doing well, and heck! shes even two years older then me... and im going to be competing against her next year!
Think of it this way, if they need really top performance hroses to beat you.... that makes your horse freaken amazing... and what kind of riders does it make them? not very good, because they need a really fancy horse to beat you. A fancy horse can help, a IMO a really good rider can take a horse that people say is 'nothin special' and take it to the top.
If there are no horses in heaven... im not going.