How do you make a decision to stop riding?! I am in pain in my knees when I get up -- my hips too....my MD says it's arthritis....going to start physical therapy; can't afford much else as he is also in rehab with his back; I still have to lunge him prior to putting his saddle on and when I put his saddle on...it's better but not ideal....maybe it's time to quit riding and/or lease a horse rather than buying another one...decisions, decisions....any ideas out there (I'm 55 and very creaky)