It's perfectly fine to enjoy being a horseback!  While I agree that safety is always important i still feel that allowing a kid the room they need to grow is even more important. I got knocked off a pony at two by a low limb. Nobody felt worse than my Mom but she dusted me off and put me back on. And I've been there ever since. Maybe it's cause i've spent my entire life around them, but i trust horses more than most people. They will give your best when ya know how to ask it of them. And I hope that you and your daughter and whatever horse ya get, have lots of happy days!