One of the most bomb proof horses I was around came from a bucking horse contractor of all places, a percheron cross. The guys saddle was loose and did not mention it to anybody. Anyway off he came,saddle and rider tangled under his belly. That horse stopped dead in his tracks and didn't move a muscle till someone got that guy out. I think its more the horses individual personality than their breeding that makes them a little more safer to ride than some.