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How much can a 13. hand pony who weighs 600 pounds hold? I hear it is 20% rule which would be about 120 pounds.... is this true? And how tall is too tall for the rider to be?

How much can a 13. hand pony who weighs 600 pounds hold? I hear it is 20% rule which would be about 120 pounds.... is this true? And how tall is too tall for the rider to be?