I've never figured out how a beginner can determine if an instructor is actually good, or just uses the key words/actions to fake it. I met a lady that knew every piece of terminology and appeared to know the concepts, but in practical application could only produce students that utterly sucked.
Personally, I would ask exactly how long saddling will eat into lesson time. I would ask about options to cut that time down. I would also ask to sit in on other beginner lessons. For 2 reasons, one to learn how to saddle/handle a horse faster, two to determine if you the instructor is someone you want to invest a huge chunk of your money with. Any instructor worth their salt will either find a good compromise, or will explain her reasons so you understand. But it's on you to ask questions.
Also, if the instructor is knowledgeable, then sitting in on lessons will help you learn faster (if you can learn by watching - some people can't).
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