Bump for someone that knows about that and can help you.
You heard of this?
I've never tried one myself, but other riders on one of the lists I'm on were discussing them and exchanging photos of them a few months back. I understand that there are different versions targeted to teach specific areas of riding--for instance, one type is just to get a beginner used to the feeling of a horse trotting or cantering, while another type is to train potential jockeys in the sensations of a hard gallop so they can learn the necessary balance and coordination. The units are quite expensive, but at least they don't generate bills for the farrier, vet, insurance agent, feed dealer, hay dealer, bedding supplier, fencing contractor, etc. etc. etc. the way a real horse does. If you're thinking of getting one for exercise, it may be a waste of money, since this sort of thing doesn't burn many calories.
1. Weather should have no impact on whether or not you can ride a real horse. Today most stables offer indoor riding in inclement weather. Heavens, we're having an ice storm here in the DC area and I just went for a very pleasant, warm indoor ride this evening.
2. Disability should not prevent you from riding either. Just the opposite. Even if you are paraplegic, there are wonderful therapeutic riding programs for people with all sorts of physical problems. Riding is the best therapy in the world for folks with physical disabilities. Even if you think you can't, modern riding therapy programs will benefit you in amazing ways. If you can sit on a fake horse, you can sit on a real one with far better effects on your health. Riding therapy is used for seriously wounded soldiers, so it's got to be okay for you, too!
Cool. Can I get a composite bow with that?