I can't answer any of your questions directly, but most of the warnings above are worth listening to. I have never owned a horse, but a friend of mine has two at the moment. He also trains rodeo horses for a living, plus teaching autistic children how to ride. And he is a member of the local sherrif's posse.
His life centers around his horses, and from what I've seen, unless you can afford to keep the horse at a stable where they take your money and take care of him for you, you should be ready to do the same. Owning a horse seems to be a full-time thing. They require a lot of attention, as well as all the other stuff.
It's not something you do casually.
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“Never do anything you can't take back.”
—Rocky Russo
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