Hi Centaursam, the problem with buying your own saddle is that it may not fit all the horses you will ride, now and in the future.
When I got back into riding I could no longer ride my own horses since they were spirited horses who KNEW I could ride since I had broken/trained them and they could not understand why I did not want to “play” anymore like I could several years in the past.
I started back on lesson horses, using my old saddles (Crosby Wide Front PDN, Stubben Siegfried). Creative padding “helped”, as in no back sores. Then I bought a Corrector pad (now called the Protector) by Len Brown and the horses liked it so much better than my earlier padding up.
I even tried a treeless saddle. That did not work well for me because of my balance problems.
Then I inherited some money and for the first time in my life I could get a GOOD saddle. I researched to find out it there were any saddles that were usable on several different horses with different shaped backs. I researched the Tad Coffin saddles (could not afford one), the Bua saddles (probably too long for the horse I was riding mostly then), and the Pegasus Butterfly saddle, which is cheaper than the Tad Coffin saddles and only a little bit more expensive than the Bua saddle. The last time I looked they went from the low $3,000s to the mid $4,000s, depending on which one you want. There are sometimes some used ones on E-bay too.
The Pegasus Butterfly saddle, combined with a Contender II BOT/ThinLine shimmable saddle pad is what I finally decided would work best. I’ve had the saddle for years now, when I change horses I either add or subtract the shims in the saddle pad, and I have not had any problems keeping the horses more comfortable. There are some challenges I had to overcome to ride in this saddle, mostly because of my absolutely horrible side-to-side balance. The front part of the tree is on hinges, and it expands/contracts to fit the horse’s shoulders when girthed up, it can fit narrow horses AND it can fit the WIDE horses up front. One of the challenges of riding in the Pegasus Butterfly saddles is that the horses are so much more comfortable up front that they gladly extend their strides in response to my leg aids, and I had to tone my leg aids down. My 17" Pegasus Butterfly Claudia jumping saddle fits me just as good as my 17" Crosby that fit me like a glove (well, almost.)
I would NOT buy an expensive saddle with a regular tree and expect it to fit every horse you may ride now and in the future. Life just does not work that way with horses, unfortunately.
My riding teacher did not know what to think about the Pegasus Butterfly saddle at first (it looks a little different) but now she appreciates that I can ride most of the horses in her stable in a saddle that fits me and, at the same time, is comfortable for the horse.
Good luck finding a saddle you like. There are lots and lots of threads here on saddle fit from people who are desperately trying to find a saddle that fits their horse.