I read the DVX link that Xanthoria provided. Is my understanding correct here based on your contact with the rep?
$167/mo for a 3-year period, total of $6012
If horse changes shape and new panels are needed, this is included at no additional fee (?) but I assume you need to ship it back to Wellington to have the new panels put on as opposed to someone coming to redo your panels in the tack room while you wait.*
What happens if the horse changes tree widths?
Saddle returned to DVX at end of period
Is there a discounted purchase option at the end of the period?
*DVX did this for me with my first saddle from them when it arrived not quite right. Not sure this is still a service offered. If it is, this is an advantage of the rental program.
All in: $6012 + deposit
Compare to purchasing new:
$5580 + tax for new grain Biarritz S, call it about $6200 up front
Horse changes panels, approx. $550 per adjustment + shipping
Horse changes tree, needs new saddle at new cost, sell existing saddle to fund + wait for new saddle or trade in against cost of new saddle
At end of 3 years, saddle probably depreciates to approx. $2800 resale value depending on wear, less if the panels or flaps are particular
At end of 3 years, you still have a saddle to sell
So, the break even here, where with either option you would have paid about the same, is 5 panel changes in 3 years on the bought-new Socoa (approx. $2800 resale value / $550 per panel adjustment.) And I grant you that that takes your saddle out of service for almost 1/3 of the ownership period, if you figure a 2-month wait period to have them adjusted (which was the time period last time I asked.) But in option 2 after 3 years you still own that saddle.
Am I working the math out on this right?