The statements about breeding the horse that you depend on to ride are honest concerns. A lady I know, bred her mare (a very nice TB, had a great foal) had an injury which has caused ongoing lameness. She is not ridable.
Plus, consider that there are already many, many nice horses out there just as you described wanting as a result of a breeding. The cost of breeding to a quality stallion, vet bills, etc. - well, you might as well go buy a young horse.
Consider also that there are thousands of horses that end up unwanted, neglected, etc. Fewer people need to be breeding (in my opinion). Let's give good homes and lives to the ones already living, and if we breed, breed for a specific discipline and purpose, not just to have a foal. Where I live we also have hundreds of unwanted cats and dogs, because poeple think it's fun to let their pets have kittens and puppies.Many of these end up in shelters, abandoned, or euthanized.