Also, think about resale value…
If you buy one of those cheap Indian made saddles, chances are you’ll have it much longer than you planned… because no one else will want it. AND if you do sell it, resale value will be practically nothing.
I have found it is best to look for a name brand used saddle, that gets good reviews, and most any serious rider is familiar with.
Collegiate, the old ones esp., are great for resale, and are actually overall better quality compared to the new ones. And of course Courbette, Passier, Stubben, Crosby, and more, older, quality used saddles can be found for under $500.
It has been my experience so far, that if I buy used wisely, I have always been able to break even or even MAKE money on resale. E-bay is great for this.
But everyone is right, you’ll need a little more than what you can spend right now,
And you know that you certainly DON’T need a dressage saddle to “do” dressage, certainly not at into/ training level.
Maybe better to keep saving your money, but use this time to educate yourself on what you DO want. Learn how to do a wither tracing. Learn about what to look for in saddle fit for you and your horse.
Visit a tack shop and sit in as many different brands/ models, new and used, that they have till you find something that you love.
Some will let you take them home to try on your horse and ride in for a trial period. Also, used saddles are a LOT less stressful to try out, you can actually ride in them without worrying about scuffing a pristine new saddle.
There are a lot of good used saddles to be found on-line. Many, on line tack shops for the cost of shipping, will let you try the saddle for a week. Take your time, and find something that you love and that properly fits your horse.
Good luck and best wishes from Kansas.