She looks beautiful, as do you :) I am not sure about you on her because I have not seen that picture :P Nor am I good with confirmation.
I would think 20k is a little steep. She looks like your average western horse to me. What makes her so much? Though she does seem to have some feathering, so perhaps she's some fancy cross breed? I wouldn't spend 20k on a horse unless I was doing some high level competitions with them and needed a super quality horse (confirmation + bloodlines)... even then it seems a lot.