True, Berney Bros. saddles are quite inexpensive here. I bought one for less than $300. Perfectly good saddle but didn’t quite fit my TB. I sold it almost immediately for a bit more.
If you are a careful shopper you can absolutely buy a very nice saddle (one that cost $3500 or more new) for less than $1K. And they are not necessarily very used. And even if you have special requests (for example, I have very long femurs) you can still find those saddles out there.
You need to be patient, know what you are looking for, and research brands that are not as popular here.
Will you find a CWD or a DelGrange in that price range? probably not. But a Stubben, an Ainsley (the old Ainsley Chesters are REALLY nice XC saddles), Jeffries, Kieffer, Passier, Berney Bros., yes. They are out there. And they are not the ones with super narrow gullets. Luckily I don’t have a taste for French, foam paneled saddles :D.
Yes, you may need to have a used saddle reflocked, but that’s not a huge deal. I bought an Ainsley that had the original wool in it 35 years after it was made. For $125 I had it stripped flocked with beautiful soft wool.
Also, don’t discount some of the synthetics. I have a Wintec Pro Jump that I use for rainy day hunting. It’s a well balanced saddle (the old model, not the new one) that fits a lot of horses and requires zero pampering. I have one for each of my horses and I paid less than $400 for each of them. The Thorowgood T8 is a very attractive looking option, too.