My horse didn't even see a saddle until she was 4. I was told repeatedly to auction her, she'd be worth more (when she was younger)
She's still green- she doesn't know everything. Doesn't neck rein really (she's learning), needs work on giving her front. But, all around, she's a great, reliable, smooth, level headed horse. Maybe not exactly show stopping, but good for what I need/want.
Those same people are now eating every word they said about my girl, as I watch them repeatedly getting thrown into the dirt, their horses taking off with them, running them into trees, etc. So... screw 'em.