The hock injections would’ve given me sticker shock. So would the saddle. Not saying either is a “rip off,” but I can understand feeling shocked by the price tag when all is said and done, and then looking differently at the smaller ad hoc charges I had unquestioningly paid before.
There is just something psychologically different about knowing the expense upfront, feeling empowered to shop around, and then making a conscious choice to pay it. But often in the horse world, for whatever reason, there’s pressure to agree to pay for something before you know the price.
I can so easily see the trainer casually floating the idea of OP getting his own saddle, then it’s a custom saddle, then it’s a CWD, then next thing you know, it’s $9000 and feels too late to course correct. Something similar happened to me with an air vest. My trainer and I had a casual conversation about how I was thinking of getting one. Then later that month, oh hey the rep is here, why not get fitted. Oh hey, she has your size in stock! It’s right there in her car! When I found out it was $800, I decided it was something I could live without, but the whole inertia of the situation made it really hard to say no.
I’ve also gotten texts before along the lines of “hey vet is here today, would you maybe want to go ahead and do [insert treatment, test, etc] on your horse?” It feels like being put on the spot to say yes — most of the time without any idea what it’s going to cost. I spent like $750 on random diagnostic bloodwork once and I didn’t even know what I had agreed to or what was being tested until I saw the bill. And of course all the test results were normal and it was not helpful in the least 