I got lucky with Chester. I bought him on impulse sight unseen from a local horse dealer of unsavory reputation. He was cheap (actually in their "bargain bin"), I wanted to ride, and I figured the worst that would happen was he was reasonably flashy looking and I could sell him. That never happened, and we've come to an understanding. He has a kid who rides him as well, but he is definitely "my" horse and only goes super for me, which I selfishly enjoy
I've had him for 3 years next month. He's just starting to jump the big sticks with me at around 3'6" at home this spring. Not bad for 14.2
I actually jockey many of the ponies at the barn who are naughty and the kids don't want to ride them. We call it pony smushing, as I am really too large for them. Sometimes you gotta get the message across.
Knock wood, despite best efforts of many, I have never been successfully tossed by a naughty pony, either mine or someone else's. I have a pretty serious degree of stickability thanks to years of riding what I could afford, which wasn't much.