I assume this is a picture of you and your horse. I am not trying to be a know-it-all. I want you to know that I write sincerely, thinking of your safety. I am 55yo, and have NO DESIRE to fall off riding anymore. I used to have stone-broke horses, than have all passed on now, and they lived well into their 20's. Two of them were with me for 23 years of their lives. (I used them for 10 years of riding lessons and DH & I did CW Reenacting/trailriding for 26 years, and nothing would spook these horses.) It takes a LOT of training to make a reliable trail horse. It is NOT "This horse can ALWAYS be a trail horse, if the other training doesn't work out."
She is great as she is not a bolting horse, just stops with her feet planted...loose my balance at times but not enough to fall off......yet:)
This has been helpful because, at my barn there are not a lot of trail riders 6 months of the year, and I love to/have to go out alone.
You have a very spooky horse who is not ready to be trail ridden. Are your barn facilities boring for you?
Find some friends to play horse games with you and further train your horse to obedience.
I don't ride alone, or when my family is gone. (My horses are in my back 5 acres.) And, I've been training my horses since 1985.
NO tack is 100% effective to keep you from getting dragged in the saddle. (Have you seen the drag the rider scene in "Seabiscuit?") My arm was broken when my gelding, who wasn't ready for our hobby, spooked and bucked me 9 ft. In the air. (My friends gave me after action reports.)
ANY TIME a horse plants his/her feet, they are frightened and considering running away. YOU on the back could keep your horse from running, so your horse will probably throw you. On the trail, there is no guarantee that your cell phone will be available for you to call for help. If your arms are both broken, how will you dial? You say that few people at your barn trail ride. How LONG would it be before somebody notices that you are missing?