KingRocker4Life, just a warning, you are going to end up with a LOT of tack if you buy for each horse you take lessons on.
I have A LOT of tack now, more tack now than I ever had when I owned 7 horses.
I have MS, I am too crippled to own my own horse now even though I own land. I started my accumulation from what I had accumulated as a horse owner, and the sky is the limit.
I ride at two different stables. One is a small private stable and I just go ahead and give them whatever new grooming tool, bridle, and sometimes bit that the horse I ride needs. Lets see, I’ve given this stable an Amigo Fly Rider exercise sheet, a BOT exercise sheet, several bitless bridles, some bits, a treeless saddle (I did not have the balance for it) saddle pads, girths, reins, bridles etc., etc., etc… I am just about the only outside rider at this stable and the lady who owns it mostly rides Western, but several of her horses also have Hunt Seat training. I owe this lady a lot, when I was broke I did not have to pay for my riding (it is sort of a handicapped program) and now she gives me a ride both ways just so I can ride at her stable the one day she takes off from her family business. I have been “re-payed” several times over as far as I am concerned. I have ridden with her over a decade.
The other stable I ride at is a big boarding and lesson stable (also training at times), again for over a decade. My riding teacher there is absolutely wonderful, without much experience teaching people with MS she has always listened to me, believes me when I say I just cannot do something (my body just does not work all the time), and keeps an eagle eye on my position in the saddle. She accepts it when I have an MS attack and can only walk the horse slowly around the ring, and when I am better she gently stretches out my abilities. It is due to riding the horses that I can walk at all with two canes, it is due to this riding teacher that, when I have to, I can walk securely for a several hundred feet without any mobility aids.
Except for my saddle (Pegasus Butterfly Claudia Jumping saddle, it adjusts to fit many horses) which I use at both stables, I have separate grooming tools for each stable, separate riding pads for each stable, separate bridle/reins for each stable, different bits for each stable, different girths for each stable, separate BOT pads, horse boots, exercise sheets, poll caps for each stable, on down the line. I also gave the big stable some bitless bridles just in case someday I really, really, really need to use one.
BUT you are not in my situation, crippled with an incurable disease. Starting off (before you own your own horse) it really is not necessary to buy a lot of stuff if the stable has lots of horse equipment already.
I would say yes to your own saddle pad IF you are religious about at least brushing it off thoroughly after each ride and washing it occasionally. That way you can rest assured that the horse does not have a dirty saddle pad irritating its back when you ride. Your own grooming kit can be very useful (label EVERYTHING with your name), especially if you keep the brushes clean. You might also consider your own fly spray (label it with your name) and some type of thrush medicine just to save you time of searching and trying to figure out where in the world the last user put it. If the stable uses synthetic girths you could ask if it was alright for you to get your own girth to use on this horse just so you can keep it clean. ALWAYS ask the horse owner’s permission to use your own stuff on the horse!
My riding teacher often jokes that I could open a tack store with all my stuff. She uses me as a “bit bank” whenever she decides a horse needs a change of bit, that way she can try different bits at her leisure before coming to a final conclusion about which bit that particular horse needs (confession, I am a rabid bit collector.) Right now I am finally at the point that, when the stables change the horse I ride, I will be able to have clean tack in good repair on the horse, and I can change the tack enough to take into account the times my MS gets horribly worse (bitless especially, sometimes to save the horse I have to go bitless.)
Have fun riding!