Can only afford one so is there a compromise?

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Im looking to buy a a new four-legged friend for our family (I've owned/loaned and shared over the years). My dd is now 9 and can walk, trot and canter and pop a jump, but still very much a beginner. She would love to join PC. I am just a hobby rider wanting to do some xc, sj and dressage.

My dd is quite stocky and currently rides a 13.2 stocky pony. My comfortable height is around 15hh mark and nothing that's fine. Is there any way we can get something we could both share?

I have seen a 14.2hh cob for sale that has been there and done that but someone has said I'd be limited with what I want to do with that height (im 5ft6 and weight varies between 10-11.7 stone)

Any advice would be welcomed. I just cant afford and don't have the time to have two.

There's some limits on adults riding ponies in some shows, so depending on show rules you might not be able to ride. Not a problem at obvious unaffiliated (trailblazers) for dressage, but might be an issue for SJ as for striding purposes you can generally only ride a pony in pony classes which are for U16s.

Not such a thing eventing, probably because 1 stride doubles aren't common until the higher levels. Plenty of ponies compete at BE80 up to Novice just to qualify for the pony specific classes at BE.

With the striding thing a pony that can easily do horse strides might find pony SJ striding difficult too.

So I guess it depends how much you want to compete at SJ as that's the only rules based restriction I can think of!