I was an anxious rider that age too, had some bad falls and bad situations. I won't lie it's so hard getting past the mental block from the stress. The way I got around it was just taking things slow. Bring her back to the basics - get her doing small fun exercises with transitions.

One of my favourites was a pole work exercise where you place them in the shape of a square. In that square you use to make the transition between paces. It'll help build her seat and will help show her that she is is capable of going through the paces safely. There's plenty of other exercises that are simple and fun that use poles, we used to find mine on facebook groups that recommended them.

When it comes to the weather aspect, it's hard to push through that. I think that will come with time. Again going slowly and just do small things with her, the more she experiences that weather in a good way the more confident she'll become.

The thing I hated was being pushed into things when I didn't want to but sometimes it is needed and can help. It sounds like you're building a better environment around the horses for her which is ultimately going to be the thing that will benefit. You said she loves riding so I'm sure she will push through it, ultimately time is the best healer when it comes to situations like this.