Good advise, and I can see I sure have alot more to learn....just when I thought I knew everything!! :)
I would also add to check the lengths of the skirts and make sure they do not extend past the 18th rib. Morgans, Arabs, and some QH lines have notoriously short backs and need special saddles.
I think I'm in a saddle that's maybe half a size too big? I'm in a size 16" seat, but maybe I should be in a 15.5" seat. Do they make 15.5"????
Kudos to you for talking about how our saddle must be designed in a way that keeps our horse comfortable at all times. My cousin should be mindful with this matter when he goes out and makes a purchase afterwards. He's enrolling into a horse-riding lesson this fall and he's required to get his own equipment.