This bothers me a great deal.
So many have so much to say about the stage a horse and rider should be at and it makes me cross. The stage a horse and rider should be at is - get this - the stage they are at!
If a rider has chosen not to progress his/herself beyond a certain point that’s their decision. If a rider had chosen not to progress a horse beyond a certain point that is also their decision, so please let us stop putting measures on horse and rider training.
If the horse is happy and the rider is happy - leave it alone.