I agree I wish all futurites were for 4y.o and up. Your so right, it's all about the money.

Backing, I guess I never thought about it. When someone says they backed up a horse, I would assume rider. If my horse now backs, I would be thinking ground work. (???)

I do a lot of ground work before I ever get on. They can do pretty much anything, all I am lacking is under saddle. (meaning rider)