I live in Arizona, and most of what we do is western stuff, rodeos and gymkhanas. All that good stuff. Not a lot of jumping, dressage or cross country. You can find it, but it's kind of hard to. I think I would start with an all purpose, or jumping saddle first. You only need a jumping saddle for both SJ and CC, right? And then a dressage saddle? Or could you use a jumping saddle for all of them? Then eventually get a dressage for higher level stuff? I already have tall boots! Yay! Do you think they would say anything about a Wintec..? That's the saddle I have..
The thing is, I'm leasing a 17 year old Paint, who just started jumping cross rails with me yesterday. She's jumped before, but it's been a while. I think she likes it too. I would need to find a dressage trainer, maybe not, but I don't know if she could jump that high.