Have you thought the same about WFP? What does too big but not too heavy mean, as I don't know what you mean?I don't think it's a weight issue, she's definitely not too heavy for Bear but she is too big, if you know what I mean. Especially to event. Fine if you are going to hack or do dressage, but to event, it's asking a bit too much.
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This forum should not allow casual size judgements on fit, healthy, active people.
18 stone lumps on 15hh cobs are welfare issues and causes for concern that need addressing not native ponies carrying a slim adult.