tallyho!
Following a strict mediterranean diet...
Ok, deep breath..
riding once a week for 3 years does not, unfortunately, make you a competent rider or give you any of the skills needed to take care of a horse properly. I will give you the benefit of the doubt and assume you are not a troll as seems a little early but could I just ask the following questions.
1. Do you have any experience of looking after a horse.
2. Do you have any idea of the actual costs? So livery, shoes, insurance, tack, rugs, lessons etc etc
3. What helped you have lined up (trainer, good yard owner)
4. What other horses have you ridden.? There is a vast difference between a well trained and worked riding school horse and another horse used to one rider
Sure others will be wading in..
Good grief Luci (and perhaps some others who have jumped too)! Do you even know the OP?? Very judgemental.
OP, there is never a "perfect" time to buy your first horse and yes you do have start somewhere... every horse has the capacity to be "spooky", even a cob
Good luck and I hope you find that special horse!