LEC
Opinions are like bum holes, everyone has one.
I think if falls are going to be reduced to their absolute minimum, then both the horse and the rider have to be capable of being competitive in the cross country phase at least one height above the one at which they are competing.
I was a very gung ho rider at Novice but the two horses which I rode at that level were both well capable of a lot more. I have to shut my eyes when I see people going cross country at any level on a horse which is at its limit at that height/complexity, because then there is simply no room for error, and error there will occasionally be.
I don't know how you would make that qualification or who would judge it, though.
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Actually, you could do something. If new to the level you could have them put so on their entry forms and then they get highlighted and kept an eye on. You would run them at the beginning/end of a section to make it easier for those on the ground. Miranda Colletts system would make it easy to check