Man, I can honestly say I never saw that coming.
Its all about the same. You can spend a fortune or you can go modest.
My experiences are most certainly going to be different than other peoples, but I did a bit of the working horse / reining stuff a few years ago. It was fun but I burned out very quickly. It just didn't seem very serious, or legit, or something. To me it seemed more of a hobby than a sport, and I feel like that was mostly because I was cutting and roping for fun and not because a herd of cattle actually needed to be rounded up and managed. Same for reining. It was fast and thrilling but I lacked any dedication.
I think cow horses are awesome when they have a job to do, and some of the ones that will do any event with cattle (cutting, roping, penning, wrestling, etc.) have my respect, but I could never get interested in it for any length of time.
Based on my past experiences, which involve a number of burn-outs with western pleasure (hence my limited knowledge of the english disciplines -- and possibly my current interest in learning to jump) I would say you need to get yourself to a show. It could revive your interest in english and maybe give you something really big to work towards... I dunno, it always helps me out when I go to shows. I come back feeling like I have other things to work on. Boarding at a small stable where 9 times out of 10 I end up riding by myself, it's easy for me to feel like I have mastered everything and I have nowhere left to go with WP, but thats just boredom setting in, and once I get back out into the bigger world of showing, I realize I'm far from perfect, and the excitement is always contagious.
... hope that made sense.