If you are serious about getting a horse, want to compete, want to win, see Chuck Waters at Waterworks. His expertise will guide you though the murky waters of horse dealers. Chuck Waters will provide you with the best in terms of product: tell him what you want and you get it. Trail horse? He will get it. Olympic level cross country horse? He will get it. This guy is the real deal. And trustworthy.
Cons: Nothing I can think of.