If I were in your shoes right now, I would not be spending a larger chunk of money on a trailer with the world as it is right now. No one knows how long the pandemic will be, how it will grow and change, and how the world will be left after its run its course. That $12k would be 8 months of living expenses for me and my SO. Right now, our jobs are stable, but we don't know what is to come. I think if either of us went to each other and said 'hey, let's make this big purchase right now' we would remind each other the reality that we are part of. Now just wouldn't be the time for a new car, or a trailer.
And there is another aspect to consider - the downsides of a 'higher-brand' trailer. Our family had a 3-horse 4 Star which was wonderful and great, but it came with a big price tag. And with a big price tag comes quick depreciation. Selling it after the years we had it was an absolute nightmare. There was 'lower-brand' trailers with the same features, for much less money. In fact, we had it on the market for months, and had someone come from Canada to purchase it
. If you truly want to get a 'higher-brand' trailer, I would consider crossing the border to get it, or waiting a few more months to trailer dealerships and private owners to feel the hit of the pandemic.
I just found this 4 Star 4-horse with full LQ for $18k Trailer Details by 4 Star Used Horse Trailer Dealer
. Sure, it's a 2000 and is 20 years old, but with these 'higher-brand' trailers, they last forever.
Or there is this 4 Star 3-horse with LQ for $15.5k Trailer Details by 4 Star Used Horse Trailer Dealer
. It's a 2003. Another for $19k Trailer Details by 4 Star Used Horse Trailer Dealer
Of course, it wouldn't be a bad idea to shoot a trade offer to the person with the trailer you like. Worst she can do is say no.