Just join the club and don't worry if its not too big of a financial commitment. They aren't crazy in the sense that you should be afraid, but maybe annoyed or will not get along.
In my experience, english style horse girls and women can be annoying Zicken-types. Spoiled rich girls controlling powerful animals, etc. But I also found western horse girls to be the exact opposite. I guess you shouldn't go into it with prejudices like that, just beware that there might be some special characters.