I own, have lessons with three different instructors on horses that aren't my own, and I have two horses I can ride kept with my own - I used to share one but have pretty much given up with him, and I occasionally ride the other to keep her a bit more controllable for her owner.
Own three and full loan one, we've had the full loan one for four years now and it is pretty much a permanent arrangement now, would be heartbroken to have to give him back.
Own. After a childhood of begging/borrowing/working for rides and a disasterous loan experience, I bought my own. That way no one can tell me how I should/ shouldn't be doing things and can't take him away from me at short notice either!
.....He'll be with me all his days (that's what I plan anyway) He's given me more than I deserve and I love him dearly, I count myself very fortunate to have found him, sorry if I sound soppy but at 50 years old I honestly never thought I'd feel like this again about any horse..........how lucky am I ? And I still get a lump in my throat when he calls to me (I know it's only food association) I can honestly say I am happier now than I have been for years, even poo picking
I own the three in my sig, keep them at home after years of being on someone elses yard and going through my childhood being told what to do by others I finally get to do what I believe is best for my neds.